I've been here for 3 years saving around 30k. And that's enough! You're right I could just knuckle down for another couple of years and save double but I just feel so tired of it all. I hate living in the city and do feel that at 27, will be qualifying at 29, I don't want to wait much longer. I know it's possible to get a job much older than 29/30 but at the moment with no 'ties' so to speak it seems like a good time to do it.
And yes - my quote of £550 ish for the loan I am taking seems a lot! I can't imagine what £650 would feel like!