Nasqueron...Thanks for the post... Although in reality it would take nearer 2 years to save, and it could be argued that in that time the property could have went up in value and will require more deposit and more mortgage...anyway its still a valid point. 80K mortgage paying off in 3 years is maybe a bit extreme but again I get your point thanks again.
I could only go on your figure of saying "Â£2700 a month after bills" - I stretched it to a year to allow some spending on fun stuff rather than expecting you to use all your cash on it but it's still only ~ Â£1666 a month over the course of a year leaving Â£1000 a month for entertainment etc to save up 20k. Taking 2 years to save it would be around Â£830 a month - if you really have Â£2700 a month free then where is it all going if you can't save that much i.e. Â£1900 a month is just vanishing?
Obviously 3 years is a bit silly but again Â£2700 a month free cash would be easily done - if you paid it off over 5 years on fixed rate you'd be laughing
I suspect if you sat down and looked at your sums you could save yourself a lot of money and realise how much is going on unnecessary expenditure