If I were in a similar position to you, in a British city (where I understood the property dynamics and future interest rate trajectory better) I would be inclined to wait a year. Maybe two. Give myself a chance to pick exactly the right course, build up some reserves, pay down the mortgage a bit more and in the expectation that the property price would go up a little as the plans for the light rail get closer to fruition and COVID receeds.

But there is something to be said for just going and having an adventure right now.

And how great to be able to enjoy thinking about it.