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Higher mortgage to increase savings to invest?
I don't follow the numbers in your example, but the fundamental question you're asking is, "If I can borrow money for a low cost, and if I think I can invest it and receive returns greater than that cost, should I do it?" It doesn't matter where that money comes from, a mortgage that's bigger than it needs to be, a credit card teaser rate, or a margin line from your stock broker. The answer is "maybe" - depending on the certainty you have about the returns you'd receive on your investments and your tolerance for risk. Only you can answer that question for yourself. If you make less than your mortgage rates on the investments, you'll wish you hadn't! As an aside, I don't know anything about Belgian tax law, but in US tax law, your deductions can be limited to the actual value of the home. Your law may be similar and thus increase the effective mortgage interest rate.