This thread reminds me, I know a couple - live half a mile away from me and DH - who we met about 10 years ago. They are 5-6 years older than us, so were around 53 and 54 when we met them. They had been together 15 years since their late 30s, - her never married, him divorced in his 20s after 5 years married. They had lived together for 10 years renting privately. (1 bed flat) before deciding to buy a house. No children. They are not married.
They decided in 2013 to buy a 4 bedroom detached house - £275,000 at the time. They had £75K deposit. (£15K hers from savings, and £60K his (£50K from an inheritance, and £10K savings.) So their mortgage was £200,000. They took
out a £200,000 mortgage in their mid 50s! I think it was until they're 70! (So a 15 year term.)
I don't know what the repayments were for the first few years when the interest rates were super low, but they must be horrific now, with a high amount borrowed, and over only 15 years. Also, they work around 50-55 hours a week EACH. (Her as a carer, and him in a shop.) At 63 and 64. Fuck that for a game of soldiers. I don't know how they do it tbh. They have no time to themselves, and never buy anything new. No new clothes this decade so far, no luxuries, a 20 year old TV, and a 25 year old stereo, and they share a car.. 1999 Corsa.
Also, the house was built in 1996, and it still has the same carpet and decor and kitchen and bathroom and windows and doors as it did when it was built 28 years ago. Same carpets too. They are threadbare and manky, and the kitchen and bathroom looks a state. Windows and doors need replacing. Their mortgage costs so much that they can't afford to do anything to the house - or replace anything. OR decorate. They were forced to replace the boiler - 4 years ago when it broke. That is ALL they have done. The house is a mess.
I also don't understand why they needed a 4 bed house. Maybe a couple in their 20s or 30s yeah, as they may have kids. OR a couple who had kids who have left home, and may have (or do have) grandkids. They have neither kids not grandkids, and zero hobbies. No time as they are always at work. It can't even be that they want something to leave to their kids, because as I said, they never had any. Not together - OR with anyone else.
Why break your back working til you drop, just to say 'oooh I have a 4 bed detached house?!' Daft. 
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