If you want to stay with your girlfriend.... Get her to do her CBT, it doesn't cost a lot and an instructor will show her the practicalities of motorcycling. There's a womens bike school in Fulham (can't remember the name right now). She'll hopefully see that we don't ride with a deathwish, just the opposite. Avoid quoting 'saftey' statistics, they're a a bit pointless.
My honest opinion though is to get on and do it, get your bike. See what happens with her. As to the mortgage, it's a bit underhand to use that to stop you getting a bike. Life's too short to let someone else's fear (let alone your own) keep you wrapped in cotton wool.
enjoy your new freedom....
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