You know, this is often very much an issue of subject....
If you're doing a social science/arts/humanities subject then I think it's less likely that (a) your supervisors will want to be included and (b) that you'll be obliged to do so. In sciences you're treading on much thinner ice!
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Guitarman - we're lucky enough not to require a mortgage, although it was one option we explored. I've no idea how people manage with 5x mortgages as even with 3.5 x our income we'd have struggled!
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I'm afraid we didn't get a mortgage. It was near impossible to get anything with a decent rate. We ended up as cash buyers.

So despite my mucho moaning about the mortgage situation, we've managed to get a house. It's not as big as we'd have liked (2 bedrooms rather than three), nor is the garden as big as we'd have liked. Nor is there a shed. But it's altogether lovely and I'm so happy :).
So lesson learnt - it's sensible to think about the present rather than the future (we've shortened our 'house' plan to one in which this place is likely to be for 5 rather than 10 years....)
And now Mr Draco Malfoy.... erm Stuart Broad.... is getting the wickets we need!
Yay!
Sorry for this much to happy sounding post, and I really don't mean to gloat. It's just nice to have something to be positive about!
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I think you need to chill out a bit. 2 days is nothing. Anything could have come up in that amount of time. She could be sick, for example. Why don't you try and ask around and try to ascertain if anything has happened....
I wouldn't start worrying just yet if I were you.
Have you sent her drafts of Chapters as you were writing?
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I'm a bit annoyed that Pamw's whole thread appears to have been removed because of a ridiculous debate. I actually posted some information that I believe was quite helpful and now it's been deleted along with all the other rubbish....
Is there any way the useful parts of the thread can be reinstated?

Hmmm... I think ours is something of a special case in that we're both doing PhDs (we don't have one persons 'proper' income to take into account). And apparently the fact that theyre guaranteed being able to get back the money from our capital doesn't make a jot of difference :s.....
Maybe we'll try an alternative broker!

Apparently stipends used to be classed as income, but are no longer because of the current credit crunch. We've both got just over two years left to go.
RE: mobility, my other half has no intention of being an academic post-PhD. He's a qualified teacher so work-location isn't really an issue. We're also planning on having a family by then, which makes me less inclined towards a career in academia (I definitely wouldn't be prepared for drastic moving to do it).... and if we did move, the mortgage that we want would only involve paying back £170 a month, which I don't think would create too much of a problem.
Thanks for the advice anyway, we'll just have to plug away I guess!

Ah well, our mortgage broker just got back to us saying that no-one will offer us any kind of mortgage of any amount on our funding.
Slightly pee-ed off as you can get the mortgage we want if you have one gross salary of 8k!!!!!
The mortgage market is clearly stuffed!!!

.... all I was doing is wanting to know if anyone from experience knew of any lenders that might be sympathetic to situations in which a small mortgage was required when the vast majority of the equity could be purchased.

It wasn't meant as in any way arrogant. We have indeed been turned down for mortgages for this small an amount with several banks who will, in short, lend us nothing. 200k is not enough to buy a family home where we live.
I didn't meant to rub it in, I come from a very deprived background and am well aware of the tribulations of paying rent, etc.. with very little in the way of income.

Hi I posted a message about mortgages a while ago, but our position has changed and I wondered if anyone had any ideas.
We want to buy a house for 230k, we have 200k to put up front leaving 30k which we need a mortgage for. Both my husband and I are PhD students with joint research council funding of c. 28k. I wondered if anyone had been in a position where they needed a very small mortgage with only research council funding. We can't get guarantors.

Thanks!

The advice that I've been given mirrors what others have said here, below. You're basically fine unless interest rates shoot up and you need to renegotiate your deal...

I'm concerned you meant 'butt in', rather than 'put in', but I wouldn't want to point it out in case it made you feel stupid.....
Oh dear, I can't seem to stop myself.

I was hoping from the subject line that this was going to be another ridiculous request for information, and I gather it must have been before the OP made changes.
So I shall stick with the first thought that came into my head.....

I saw this film recently, and it struck me that there was a very interesting subject that could be studied. Muggle studies. Or perhaps the financial permutations of muggle behaviour?