Hi Daniel
At 21 years I was backpacking around Europe, burning all my hard earned cash.
Don’t forget to live a little, because you never know when things might head south.
No, seriously, I would be very concerned about going into such a huge mortgage first off. Can you not stand buying a cheap flat and doing a reno? That way you can gain satisfaction from your handy work…increase the value…and get into making your money work for you rather than being a slave to the one property and the resulting cramp on your lifestyle and investment opportunities.
Art