So I guess this isn't really a "standard financial question" but Google doesn't return good results. Or in fact any meaningful results.

My wife and I are in our mid 30s and due to some inheritance money own a small mid terrace in a town and we own it outright. She stays at home with our child and I go to work, currently on £35 with a civil service pension (pretty sweet deal).

Anyway, the idea of moving house to somewhere nicer has come up. A place out in a little country village with a bigger garden. We can even afford the mortgage. But this is where I fall apart, I just can't bring myself to sign a document to pay for another 30 years. We own what we have now, that's a big deal. It's not perfect, but it's ours. And the new place looks nice, but it means plunging back into the uncertainty. I feel like we'd be giving up a huge chunk of security, and a bunch of other potential life options (even if a bunch of them are frivolous ones lol). I know most people are looking to be mortgaged until well into their 60s anyway, so I know it's not a thing special to me. And yet I'm having a super hard time with this.

Surely I can't be the only one that feels like it's nailing shut a coffin. I have no idea what to do because I suspect there is no "right" answer. I'm posting here because hopefully sensible and mostly analytical analysis might help. Who knows.