Owning your own home

I think though that as our house needs work we would be able to do that faster with a 35 year mortgage. Once the house is then done we can then work on overpaying the mortgage. But safe in the fact that if either of us lost our jobs we'd still be able to afford the basic mortgage if we didn't over pay.

Is yours a Direct Debit set up to overpay each month?

DD for the minimum and I manually overpay what I can afford at the time.