Owning your own home

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

I own a wooden house and its much the same. The house deppreciates if it is not properly maintained. The property (ie.including land) still goes up though

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......

Seems a bit like owning a house leasehold. Not owning the space your house/boat is positioned on leaves you a bit vunerable to price changes.