For the record...Ive a house up for sale in a sort after location in Cardiff(Whitchurch),when its sold,I will be paying off the last 26 k on the house we bought in 2003-5/6 yrs early,lol...sell it,after more than doubling my money,want buy a little place with some land,so I can dig a fishing lake and do my own thing...money will be there to do what I and the mrs fancy..I will be 45 yrs old and morgage free...not chasing paper well into my 60's...Im from a council estate, that is true...but never had a hand out from any cnut ,what I got I took the risks and punched my guts out for,never lived