Owning your own home

Just a little warning about "we'll over pay etc etc" Don't rely on it (or increasing wages) as real life has a habit of getting in the way a bit.

Not putting a downer on things just something you have to expect (new white goods, leaks, the boiler going when it's freaking brassic outside... you know that kinda shit)

Oh I understand that completely which is why if we go for the cheaper 35 year option we'll still be able to afford the basic mortgage and if we overpay that's a bonus. If we don't then we'll just be left with the 35 year term. But a 35 term is better than not being able to afford our house and be homeless.

Check your mortgage as some allow overpayments of up to 10% per year and others only a lump sum every two years so you don't get stuck.

I believe that Nationwide is £500 PCM nothing more.