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don't do it would be my advice - you'll never ever get back on the ladder with a mortgage that small and the amount you see being set aside for your old age, is fuck all compared with another 30 years property appreciation. i'd say don't do it unless you literally can't put food on the table.
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I'm actually not all that bothered about being on the property ladder TBH and the thought of being in the same situ money wise for the next 20 years fills me with dread.
I can get by no problem but that's no really living that's existing,The money would give me a chance to make some more money if invested right.
Choices Choices.......