I don't believe she's earning as much as some have said, but on the basis it is well over £100k, only putting £50k as a deposit seems very low. If it was me I'd want to put down as large a deposit as possible to minimize the mortgage and also to get the best rate. It's not like her outgoings were high, her rent would have been fairly low and she never takes her kids anywhere unless it's a freebie (or a
tit holiday to Greece
).
I think that she may find paying for all this - massive mortgage, as well as all the additional bills that come with owning a large house and land, as opposed to a small flat - something of a shock to the system. Even if she is earning loads, she will be spending loads more too now. Higher council tax, much higher utility bills, buildings insurance, even a cleaner will cost more as the property is several times bigger. Plus more on petrol as she'll be driving further to get anywhere. Also the house and garden upkeep/ maintenance - she's used to phoning the council when there's an issue, now she has to pay out of her own pocket every time something goes wrong.