Hi hun,

I don't know much about property, but have you looked into the different tax implications of what your options are? Especially if you put the profits of a sale in the bank rather than rolling over into a new loan.

Also, if you are holding the land for a really long time before you start to build, will that mean you pay 2 mortgages for longer (or 1 mortgage on 2 properties)?

Also, this is totally not a criticism, but I can't help but wonder if your new house will give you the happiness you're looking for? Are you just chasing what you think will make your happy, give you the perfect family life, but when you get it you realise it's not enough? You've just build what is most likely a beautiful house, but it's not satisfying you. I'd hate to see you make the same "mistake" (in inverted commas as I don't know the full story and could be way off track!). Like I said, not a criticism, but I know sometimes I can fall into this trap.

HTH xoxox