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Bainbridge
You need at least £240k in cash to pull it off at the start. And someone needs to lend you the money. And you need to be young presumably for a 30yr mortgage.
I guess - and I think Neil has mentioned this before - the key is they never expect to pay the mortgage off, ever. You are literally buying a house you cannot afford. Full time renting from the bank, slam an extension on the back, move up the ladder until you can retire to the Cotswolds or something