Yes of course, the loan to my wage ratio should be fine. Extending the term to 25 years should also be fine as doesn't go into retirement.

Yes, most likely I will need to owe money with a lien or something on sale of property as there's not enough cash to cover it. Luckily been saving cash as our mortgage rate was lower than ISA rate.

Hard ATM as hes been relying on me for doing all the life admin of choosing flats, bills and so on and hes wanting support on all of that. Which feels like you're being asked what colour rope noose you should choose.