I guess if financials are stable and it wouldnt burden you then it would be wise...

If not, then renting is just paying someone else's loan I feel.

if holding power is good, then source a good deal.. i bought my place at an early age too around the start of 2018 at a flexi rate of 4.5, now its 4.25..

the interest rate of 5% is somewhat about there in the market, although i do think u could find a little bit lower..

another option you should consider which I am too also for investment purposes are auction properties.. you can really find some goood deals in the lelong markets now..