Hi Folks; Hoping someone with experience could help me out with this. There is some brilliant worked examples and advice on here but I cant seem to find one that fits my situation albeit some really close ones - just posting this as a sanity check and hoping someone can lend some expertise. My Situation.... I bought an affordable house with Fingal Co. Co in Jan 2005, brilliant opportunity and have loved living here, but a wife and two active kids later see's us looking to get some where with a little bit more space. €285,000 "Market Value" €185,000 Affordable price paid 35% Discount Approx. sales price I may be able to get is around €240,000 We are 15 years here so we will be 5 years into the 10% reduction each year after 10 years which should reduce the clawback by 50%. I am just wondering when does the clawback kick in...is it after "market value" €285,000 is reached or on the total sales price at the time of sale? My calculations are: (Hope I am wrong) Sales Price - €240,000 Less owed on original mortgage - €185,000 (we settle outstanding money owed on mortgage and keep the balance) Profit for Fingal Co.Co - €240,000 - €185,000 = €55,000 Profit for us - €0 (we can only make a profit after the €280,000 original valuation is reached) Any help would be greatly appreciated.