For you as an owner-occupier, other reasons are set into the focus, compared to investors.
However, you should calculate carefully if it wouldn't be more favorable for you to live in rented accommodation. The additional costs in your budget calculations are often underestimated. Furthermore, you should ensure that you certainly paid off your property at the beginning of your pension.
If you decided to get your own house, you surely found the perfect object for yourself. Here, your personal taste and lifestyle are crucial. It is important to note here that you should check whether there are state subsidies from the KFW Bank for your property. Furthermore, for individual cases, there is the possibility to convert taxes into equity. This, however, depends on whether you are able to aver part of your investment as special issue deductions, or if you rented out part of your property..