Age: 38 Spouse partners age: 37 Annual gross income from employment or profession: €42,500 (civil service ) Annual gross income spouse: €43,000 (private sector) Monthly take home pay: €2480 (including child benefit) In general are you (A) spending more than you earn (B) saving We are spending what we earn Rough estimate of value of home €270,000 Amount outstanding on mortgage €81,000 plus a clawback.. at % of profit What interest rate: locked into co co mortgage unless we pay the clawback Other borrowings : €25,000 credit union €4000 bank loan €4000 car loan Do you post off full credit card balance each month: no Balance €2000 Savings and investments €5000 in credit union Do you have pension scheme: I have pension (in public service 20 years) Do you own any investment or other property: no Ages of children: 14 & 8 Life insurance: civil service life insurance 15 years ago we bought our home under the affordable housing scheme. We currently have 10 years left and we pay €700 pm. Our house is quite small it is small open plan downstairs which means if we have any visitors we have no seperate room downstairs. This is especially difficult if our teen has friends around. We were looking at some new builds in our area of €340,000. Our clawback is calculated by a percentage of the profit we make. It was 20% and goes down 10% after each year after 10 years we have 5 years clawback left. We bought the house for 160,000 and the market value at tyre time was 230,000 Should we bite the bullet sell our house have a bigger mortgage over a longer term with new house or stay where we are with our low mortgage. We could possibly put on an extension but to remortgage we have to pay the clawback anyway. The council dont do remortgage and to go to a bank we have to pay the council the clawback. Would we even get a mortgage for a house worth 340,000 with our outstanding loans or would it be consolidated? Another idea could be to buy a bigger house in the next town, they are considerably cheaper at 275000. The children could stay in their schools but obviously it would be a commute and we would need after school childcare which we don't have any childcare costs atm. Any help would be greatly appreciated.