Offer accepted on a listed c16 farmhouse in q4 2021, after thinking about the original 3y fix mortgage we lined up, I convinced the wife to put up all the profit from the last house, the entire renovation budget (as well as a bunch of profit from a potentially foolish foray into $GME) to get to 75% LTV and a 10y fix on just over £500k @ 1.7%
It took until July 2022 to complete, managed a big discount on offer price due to some confusing wording on the estate agents listing (and the vendors being a bit silly and telling us they needed to sell ASAP cause they were getting a divorce) but managed it before the mortgage offer expired
I’ll be almost 40 by the time i need to worry about payments going up, and we’ll have way more equity by then - safe to say I’m pretty chuffed