Thanks for the info hillybilly. My husband is Spanish and if we could afford to live in it we would be back there in a flash….. that’s the point I was trying to make to our bank manager, we can’t afford to live in Spain with a 706 euro mortgage each month. If we extended it and paid say 300 euros we could live there. I’m British and at least staying rent free here in a family house we can earn enough to pay for the Spanish apartment to keep ticking over and to also eat. With two little children I know which option is best for us at the moment but they also miss out on growing up outside in the sunshine with their cousins and grandparents etc. I just wish the bank would give a bit rather than all take.