Ahhhh – thanks for that…. I am only 'just' starting to look into these things, and for some reason, I thought there was an exemption for CGT with something to do with how long you live there for or something like that :S 

Could you suggest who would be appropriate for us to talk to (basically give them our financial situation and what we are planning in the next 30 years or so) for us to work out how/what we are going to do?  Would this be more of a financial advisor or a property investment 'specialist'?  Totally lost here….

TIA,

Julie