Owning your own home

Canal boats dont really depreciate.

Plastic boat - depreciates like car
Rare wooden boat - appreciates like antique
Canal boat - hold value if mantained

Mooring fees varie madly though. I lived in Henley-on-Thames for a few years (in a flat, not a boat), and the mooring fees there were astronomical and increased ten fold during the rowing regatta.

"If maintained", so effectively losing the money you spend on maintenance, paying out to stand still.

Mooring fees do vary, but if we're talking about London - permanent or long-term moorings on the Regents Park Canal, St Catherine's Dock, Canary Wharf - added to the repayments on the loan - don't save you much money on a mortgage on a bigger property. You could always try Surbiton though......