Hi Andy and lou, bought an affordable house five years ago with fingal. now my family too has grown and would love to see you get an answer to your question so I could find out what I should do. This is going to be a common question in years to come. What's the chances of a person's circumstances changing over a 20 year period...pretty blooming high! All I'm curious now to find out is, can I sell the house at any price. I think the deal is you HAVE to get it valued by one of their approved valuers, you have to give the % discount they gave you of the profit back, in my case 47%, and then you have to of course pay the remaining mortgage off....your certainly more limited on these houses...but was very happy to get the house at the time.