@Just Frank wrote:
Like many I had sleepless nights after stretching myself when I tokk out a £30,000 mortgage on the £50,000 house I live in today ? Value now £600,000 + ❓
Frank, if you could afford a 40% deposit then you were, and still seem to be, rather rich. And with that much equity in the house from the start you are probably a wimp for having sleepless nights.