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@deleted
so do the maths on an interest rate rise up to 6%. you say you are not adding to savings which to me suggests you have no spare cash after your £650 so how will you pay if interest rates go up? maybe the maths works out if your repayments are £450 and you have some slack.
personally if you don't have a 25% deposit i would wait until you do as prices are only going one way and it certainly isn't up.
but everyone's circumstances are different