Yes, it was an excellent point made by Quoll , and one we will definately be looking into sooner rather than later. Sunni , did you get a 30 yr mortgage in you 40's? Like lots of people we are having to rent out our house here which makes it unlikely , considering the high rentals in Oz, that we will save enough for a deposit, so I dont know if buying a property is feasible at all in Oz. I was thinking that by the time we came to sell the house here, hopefully prices pick up a bit in couple of years, OH be nearly 50, and couldnt see getting a mortgage at that age , not for 30 years anyway. So that means we'd have to rent forever, and what happens when you reach retirement age??? Maybe I'm just panicking !