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Fox
FWIW - we're borrowing 75% of what we 'could' borrow.
And Howard was right in that if we 'needed' to find that money we theoretically could, but we didn't want to.
Our new mortgage and with household bills will be 35% of our joint income. So I dont think its fair to say we've stretched ourselves too thin. Rather the opposite we're trying to get what we want while being reasonably sensible.