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I would imagine that you would need a fair bit more than 100k to achieve this though? OP would need to use his 100k for something productive to be able to get in to this position.

3 years ago I was in a similar position to you had 40k cash but not enough to get a decent house in the area that I wanted, I used that cash to start a business and 3 years later the business is making money and we are looking at longer term plans to get a better work/ life balance. For...