I had the house valued last week, it was valued at £125,000-£120,000.
I have £77,000 remaining on the mortgage over 32 years.
My income is 25,500 per year. My wife's income is 25,000 per year but she is expecting a promotion to £30,000 at the end of this month.
All household bills leave my account and amount to £637 per month including the mortgage.
My wife has a student loan to the amount of £17,000.
Hope this helps