Thanks for your advice UncleLim as I want to invest in gold in small investments but I am afraid that the gold prices are more fluctuating and there is no reliable method to guess it right.

I think you can buy any property with this much money in your hand.You are a rich man and all you need is to do market survey and then you can easily decide where to invest.

I have also similar amount of income and want to own a residential property. I am looking for home loan which is under my financial means so that I can pay the loan amount easily.

You should have to survey the market and take quotes from different agents and you will find low commission agent quite easily. As i think your agent is asking more commission than others.

definitely, in case of divorce you have share the burden by 50% with you husband and you have to pay the interest as well in addition to loan amount and the house on which the loan has taken will have to sell on auction.