When you take a mortgage loan, you end up paying at least twice the initial investment you have made on the property. You may be on a break from your job, but the interest and the loan amount would only keep adding up; they never go on a vacation. While you cannot control the rates of borrowing, you could still end up saving some money. All that is needed is going in for the right type of mortgage, say the mortgage brokers. Next is some wise saving on your part and maybe even switching to another mortgage lender, if need be. In any case, you need to be aware of what you are getting into.