Southside,
I have just joined this forum and I had to blink twice as what you wrote ismy exact situation!
I have €312,000 left on a 2 bed apartment, never missed a payment etc but just don't have any room for other child and want a garden(not the priority!) for our son who is two now.
So looking at a house for €310,000, Wife doesn't want to move to far, the banker said I'd need roughly €80,000 savings to move.
No more 100% ortgage, 85% he said so you'd need 15% of your new wanted house. This was before the budget when the stamp duty was the old rules so I guess i could knock €5-10k off the €80,000 but it still means I'm not going anywhere fast!
My apt prob valued at 220-230 if lucky