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To join the mortgage discussion, my wife had owned the house for 7 years now. (my income couldn't be included due to such a bad credit rating), yet it was ironic that the deposit came from a "gift" which i got from a HUGE PPI mis-selling pay-out from a number of credit cards and loans.

For now the price of the property has increased in value in those years, so much that at the end of the interest term, she recently took the option of a 0.87 interest fixed rate....it's daft that the cost of the mortgage is FAR cheaper than any rent we were previously paying, and would still be in that situation today due to the insane deposits that are required these days.
 
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