Thanks gafama, I feel reassured by your common sense. It’s my husband who will be taking early retirement (we’re only in our 50’s), and we intend to still be working at least part time for a while so paying off a loan isn’t necessarily a worry.i also would hate to sell if we don’t need to. Our accountant just retired and put us in the hands of one who has just bought a new property so he sounds like he may know a thing or two, so I’ll be contacting him, thanks all for your help.

Robyn