Welcome to my world Ben… 🙂

I’ve been saying this forever, and even published it on Medium a few years back, as you may recall.

The only parts I’d add (the first of which is true in the US, but maybe not elsewhere, and the second is true almost everywhere) are that tax benefits reduce the cost of your mortgage interest, and inflation effectively lets you make money from your mortgage balance, since the money you owe drops in value faster than you pay it down.