Spoke at length with DH about all this on the way into work this morning... we have agreed to park it all for now, put any extra money we have into the mortgage and then reassess the situation in July.

That's not too long to wait.

Nic I did love your comment about DH in the kitchen

Thanks for all the advice - the more I read, the more I understand we need to approach it carefully or we'll end up shelling out 50k before we've even blinked!