Hi, thanks for the info.. and all your comments which are very helpful... no doubt time will tell whats the best thing to do but i am edging towards your thoughts with regard to handing it over at 5% (i cant afford to just let it sit and not make at least enough to nearly cover the mortage) and waiting till the site starts to seriously get up and running which i feel sure will take till at least 2011... by which time.. i hope.. it'll be worth a fair bit more than i paid..