Thanks for all advice guys, great to get different opinions and perspectives. Just have to wait and see what vista say once we get there. GarathB, only looking at my salary I think as wife won't have full time wrk until all kids are at school. So mortgage would be bases on 50000-60000 wage. I know what you mean, frustrating paying rent when you could have similar mortgage repayments and potentially be gaining some money in the long run, rented for about 5 years in uk before buying due to deposit requirements even though we were paying the same as our mortgage now, so frustrating!