Good stuff.

Earnings are often seasonal, and vary over time, so if you're going to have a mortgage, then one particular feature to look out for is the ability to 'over pay' without penalty when you can afford to do so.

This means the debt goes down more quickly, so the amount of interest you're charged also falls, and it also makes taking a payment 'holiday' easier if you're not so well-off for what ever reason.

Combined accounts (a bank account where your mortgage appears as a huge overdraft) allow this, but can be more expensive in other ways. Other mortgages can place a limit on how much you can overpay.

Not a financial adviser, your home may be at risk...