DH and I can’t decide whether to go for a bigger house or pay off the mortgage where we are and enjoy that. Joint income circa £120k. Currently have £70k left to pay on mortgage, should take three or four years. Buying a bigger house of the type we like would mean a new mortgage of around £400k. Is that too much to take on age 40? I hate the idea of being tied down again for so long but would really love a bigger house and garden. What do you think?