105k mortgage and 10k personal loan.

The personal loan was done as a consolidation - 5k was to cover random previous debts and 5k was used as a housing deposit to accompany the above mortgage.
Loads of folk will say that's stupid and I'm an idiot for borrowing to finance a deposit (and I'd agree) but its all managed. I can afford the payments and I'm happy with my situation.

I have no credit cards and the odd overdraft of a couple of hundred quid now and then.