It’s never worth getting into debt for anything, you will never own your home as long as their is a debt hanging over it. The bank or financial institution owns it until you repay the debt. It’s just another way to pay a rent as most people never get out the endless loop of paying off mortgages and re-mortgages, or taking out equity loans. The best way to buy a home and 100% be sure it’s yours is to save up and buy for cash outright, may take a few years, but the money you pay on a mortgage would be better saved instead of paying it to the bank or wherever.
So it seems it is a long time liability. Thanks for your comment.