Oh I agree that 500k + is huge.... I mean we don't struggle, but I want a quality of life, a baby (IVF is expensive) and I can't imagine committing to repaying that kind of mortgage for the next 25 years..

I read somewhere your mortgage shouldn't be anymore than 3 times the amount of your combined salary for the year. Our mortgage is 1.5 times the amount of our salary (thank god) but should be ever be blessed with a baby and I dont work, our percentage is going to go right up..