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I assume also that you've also benefited from your home being worth more now than when you bought it... top work.
Stonehedge-
I mean, that's only useful if I was going to sell it.
It's ~doubled in value in 8 years but with Brexshit hanging over us who knows what's gonna happen. Buying when I did meant I was paying a base mortgage that was about half what rent would've been and I was doubling that every month in overpayments.
hippy
I wanted to say that but I knew he had kids. :S
My missus works but mostly I had a big deposit saved which reduced the interest rate initially, it was a place well within my means because I was worried about the interest rate rise that never happened (should've bought a bigger place!!!) and I overpaid a massive amount (see also: earning good money).