Thanks for the tip, though can't see us wanting to rent out a room, we only got married 2 years ago and moved in together only shortly before and before that I spent years in shared houses and feel I've "done that"... I do see us being in Oxford for a long time, and whilst not expecting to make any money in terms of the house itself increasing in value significantly (or at all in the short-medium term), at the end of 25 years (or sooner) we should own the house and be able to live rent/mortgage free in our retirement, at least.
Most of my deposit money has been tied up in unit trusts in the stock market for the last 10 years, and their investment performance has not exactly been spectacular, think the only thing I own that has significantly gone up in value are some gold sovereigns I bought back in 2007, though I suspect their value has peaked or is near to it
True, but it still means I'm paying someone else's mortgage for them, when I could be paying off my own...
