I bought my flat 3.5 years ago, it was ex-council so a bit of a state so i have had to spend quite a bit doing it up. Cost me £90k of which £80k was mortgage, that cost me £560 a month and over the last 3 years i have run up about £20k debt doing it up, just remortgaged it for £100k and paid all that off and now paying £520 a month (figure that) no debts now so quite happy.