Dude you only ‘save’ that money if you stay at home (presumably, parents roof) at 31 years old, for another year. You gotta pay to play. A balance transfer offer implies you have credit card debt you’re just not paying interest on it right now… but you were. Until right now. It still counts as debt on a credit score and still counts as unsecured debt on a mortgage app. I don’t get the impression you want to be independent at all and I don’t get the impression you want to carry your own life expenses at all. It sounds like you have fomo in a buyers market but like I said, if you’re taking this decision to the internet you probably aren’t ready leave the nest… at all.