/quote]with monthly overpayments to hopefully leave us mortgage free in 10 years time in our early forties.[/quote]

I did more or less the same in the 80's, I kept throwing large amounts at my mortgage and cleared it in seven years. I did put down a third as a deposit in the first place and was mortgage free at 28. Of course we had 15% interest rates when I first dipped my toe into the property market.