Am I mad for wanting a 35-year mortgage just to keep my lifestyle?

Un couple hésite entre un prêt immobilier de 25 ans et un prêt de 35 ans pour financer leur nouvelle maison, avec des implications sur leur style de vie et leurs économies.

Me and my husband are in our early 30s, both earning £60k. We’re currently living in a one-bed flat with a £600 mortgage. Add council tax and management fees and our monthly housing cost is about £910. It’s cheap, easy to maintain, and we’ve been living a very comfortable life — regular holidays, hobbies, going out. We’re about to move into a new-build house, and the monthly costs are going up quite a bit: • Mortgage: ~£1,500/month (on a 25-year term) • Council tax: ~£190/month • Management fee: £40/month Total: ~£1,730/month For context: • We both put about 15% into our pensions • Save around £700/month each (used for holidays, investments, etc.) • We don’t have kids and don’t plan to • No debt or financial pressure right now Here’s the dilemma: I want to go for a 35-year mortgage instead of 25 years. It would give us lower monthly payments and let us keep our current lifestyle — and we could always make overpayments once our incomes go up (which we’re both aiming for soon). But my husband’s against it. He wants to do 25 years and just pay it off faster. He doesn’t like the idea of giving the bank more interest and would rather cut back now than be paying the mortgage into our 60s. So now we’re stuck. I’m all about flexibility and enjoying life now while we can, and he’s more about long-term efficiency and not dragging debt out longer than we have to. Anyone else been in a similar situation? What did you do, and how did it play out? Would love to hear your experience or suggestions — especially if you’re DINK (dual income, no kids) and balancing mortgage vs lifestyle.