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@Velocio
Mine's currently 36% of my take-home, but will rise to 44% in December unless I can remortgage.
I'm a bit wary of this, this is my flat and so I cover all of the mortgage and it's a 20 year repayment mortgage (I'm old and could not get longer). But the worry comes from the housing market taking a rather steep nose dive as my LTV was 85% so it's plausible (albeit still unlikely) that a steep dive in the market could lead to difficulties for me to remortgage, which in turn will mean that the end of my fixed rate will see the sudden rise in my payments.
I figure there's not a lot I can do about this until November / December when the fixed rate expires.