We have these in the USA too. Its called an " interest-only mortgage".

that’s just renting except you also have to pay for maintenance.

Lots of things you can do here that you can’t do renting:

• Since its you are the owner house you can make any changes you want to it
• If the property appreciates in value because of market conditions, that’s YOUR money thats not the landlords money
• You decide who lives in it. Landlord can’t tell you no
• Pets if you want them
• no security deposit
• mortgage payment stays the same forever, this “rent” never goes up in price

All of that said, I don’t recommend interest-only mortgages in the USA because a home is one of the most accessible investments a person can have with strong legal protections keeping others from taking it from you via legal means.