Presumably that £3.6K ish is repayment, not interest only. Try working out how much you need to save over 30 years (while renting) to buy a home. Don't forget

Presumably that £3.6K ish is repayment, not interest only. Try working out how much you need to save over 30 years (while renting) to buy a home. Don't forget to account for inflation in any assumed investment return.