You should avoid buying a large and luxurious house, even if it is within your current financial reach. Buy and stay in a decent and proper home, and fit your needs with family. In the meantime, perhaps you can go to brightretirement.co.uk/ and check out a lot of promising retirement programs.
You also do not have to force yourself to live in an elite neighborhood with a high cost of living. It would be much wiser if you choose to buy a reasonable house at the right price and some inexpensive maintenance costs.
That way, then you can save a lot of money and also prioritize your retirement savings.
Live in a low-tax area
Also consider staying in areas that have income tax rates, property taxes and also low sales taxes.
Some areas will have lower tax rates than other regions, so you can apply a more efficient and simpler lifestyle in your retirement later.