I'm 37 in thirteen whole days (racing Little P, who is due on the 22nd... exactly a week later) and can agree entirely about the mortgage, although we have lived in this house for four years and I had a flat before that. However, I did get help for the deposit on the flat. Apparently the statistic of 37 is for buying a house without assistance from parents, it's 27 for buying a house with parental assistance, I believe. Whichever statistic you choose, it's still scarily high!
Anyway, I only posted the comment about what I got the pack for as I found it slightly amusing... I didn't intend to derail the thread. :S
Ian P.