Thank you for your reply. I can wait for an answer and I know that it is an awkward question and despite all of my attempts, I have not been able to find an answer as it appears to be a grey area. Please continue and only abandon and return the cost if you reach a dead end.
Yours sincerely, ***** *****
We have a two bedroom Edwardian house which is of a reasonable size with a front garden, central heating and of a habitable standard. Depending on what job I get the salary could vary but it could start out at as little as gbp15.000 per year although that would rise to around gbp 18.000 after four years. It looks like we have a child on the way which has made the issue of going back north an important one. It may be that I must remain in London for a time where I can earn gbp28.000 and more than 30.000 with overtime. My wife will have to live in the north without me and be happy with a visit once a month. By April next year our cash savings will be around gbp16.000 which is not enough for the shortfall from the required gbp18.600 and then there will be a British born child to consider too.