Talking of mortgages wifey works in a bank and there is talk of her taking the mortgage as I help finance 6% rate..I am of opinion she takes a normal loan and buy land plus my savings and construct..Opinions?

Is the mortgage is tied to the condition that it has to be a finished house? If not, take the hybrid route, buy some land with a loan/savings, then get a mortgage to do the construction, unless the loan and mortgage interest rates are similar, and for bank employees they usually are, in which case I would say you are right.
Finished houses are a racket. A vehicle for supernormal profits for developers, a debt-monkey on the back of the buyer for 20 years. The remoteness and dust is a lesser evil, and you are free to try something new in 5 or 6 years after you are debt free and have a house of last resort already complete.
My 2 cents.

I think there is an option of taking a construction loan if you have your own plot which is then converted to a home loan when the house is complete and valued. This is way lower than buying an already finished house. You can then accelerate the mortgage payments and you will be home free sooner.

mmmmh. Happened to a neighbor..... wifey became so cocky to an extent of bringing another dude to HER house!

Disclaimer: All women are not the same.

Now you guys are deviating from the real issue.Can we be objective and help Toxicity out?