In the middle of 2014 if I decide to move out of Canada I have two options.

A> Start a new mortgage at $3,60k (@ 5%) in 2014 for the next 25 years (till 2039) and rent the home.

Even if somebody pays rent I would still end up paying $270k in interest + $150k (taxes) = $420k .

If I take the base as 2010 and use $6,00,00 as base value (current price) and compound it at 2% over 29 years I end up with $1.1 million as the selling price in 2039.

So net minimum margin = $6,90,000 in this case.

2009/2010 saw an increase of 1.76% but for the previous 5 years average home went up @ 8 – 10% every year(from 2005 to 2009).

Option B> I can sell the home in 2014 and invest $2,50,000 in a USD fixed account @ 4.0% and that delivers roughly about $6,50,000 in 2039.

I would love to relocate to Toronto during my golden years.

Please advise,
Thanks.