Thanks Mel and Squidipa I have absolutely NFI how much we will get back, as I run my own business, my hours have been down, therefore income down, last financial year we came just under 100k (both incomes combined).

DH wants to quit work and look after her but that would mean me working longer hours agin and I am not so keen. but after we have moved houses and we have the extra income of rent coming in, we might be able to re-evaluate the $$ then.