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Yes the returns are close, hence my I own both property and shares, but you can put small amounts into shares over time and grow a large portfolio, where as Buying a home requires a large upfront payment of atleast 20% or so.

So, using shares as a vehicle to save for your home is a good strategy, because you will earn more in dividends than you would bank interest on cash, and your capital has a decent chance of growing.

if you tried to save for a home using term deposits it’s going to be tough.

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Leverage is a double edged sword, if you borrow to buy a property using a 90% loan, and the property value goes up 10% you double your money, but if it drops 10% you lost 100%.

but you can borrow to buy shares, but that is not the topic I was talkng about. I simply saying investing is shares to save for a deposit is a good strategy if you are worried inflation and house price growth will out pace your savings rate based on term deposits