Government house after 7 years on the waiting list. My 50% mortgage is down to £119 a month after 2 years of early repayments, and the remaining 50% is £112 a month rent (subsidised, non profit) which I can buy later or just leave it as the government pays for the rent. My bills are under £45 a month too. I just also need to do 5% early repayment each year but thats like £1200, should have my share paid off in another 8-10 years of minimal payments, then I can think about buying the rest. Even initially my morgage was just £129 pm, and it goes down each year with my early repayment. Paying off more than 5% isnt worth it as I get more fees / interest (10 year fixed rate, 40 year term for minimal repayments).