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Thanks for all the detailed/informative responses - gold stars to everyone! Yes, it's a decision only WE can make. Someone said to me recently "It's hard work making some money for your retirement". This was after I'd told them my wife and I had just spent three weeks straight, 9-11 hours...

We own a 3/1/1 chamfer board/brick base home in Carina (actually has a self-contained bedroom downstairs with basic kitchen, shower and toilet with internal access to upstairs - what future potential I say!) Has an older renovated kitchen, neat bathroom - new taps/glass screen over bath. A/C...