There's no way to not sound rude here, but rest assured I'm not, but aren't you quite "senior" in years?
My point is, your position is admirable, but this guy is at the other end, and by his own admission wanting to buy
His username is "Frozen Out"
He is anything but
This is why I've always said, lurkers and FTBers who post here need to be cautious about getting caught up in the overall (albeit admirable) opinion on here
People's motivations differ, and someone who wants to buy but is putting it on hold because of the advice and wisdom on here should exercise caution when choosing who they take their guidance from. People with 100 grand in the bank who are opting out of home ownership for whatever reason and expecting prices to fall, are sometimes barely distinguishable here in posting style from people on very low wages who could barely scrape together the required deposit for a studio flat
I don't know where the OP lives, but I bought a 1 bed semi last year for 175k in Greater London. I'm 35 and realistic about what my first house should be. Just because you're buying late in life at your peak earning, it doesn't mean you're entitled to a mansion as your first place
100k deposit and you're "earning a decent salary", something doesn't add up, and my suspicion is it's your expectations