Sorry for some reason it wouldn't let me put all my incredible dialogue in one post hmmm...
And where were we?
You know how it is when you're convinced of something and then it just takes one person to peel away the blinkers and point out something really obvious? Yep, one of those. He said "All the time I've known you, you've wanted to own the house you live in. How is renting going to work for you?" and i said "Not great, I do crave the security of bricks and mortar, but I can't afford to buy down the coast and keep London - which is my pension." And then he said "Well you need to think about buying somewhere else that you CAN afford..." and then (which kind of rocked me) "How long do you think you're going to live, in terms of how long do you need to see London as pension income?".

After I spluttered for a bit, he asked how long I wanted to work for, etc, we crunched some numbers, and it would seem that the best outcome to give me the lifestyle I want (not a luxurious one by any means) is to buy somewhere cheaper, rent it out for five years, then sell London and live on part of the proceeds, which would easily get me to pension time in another five years' time. Jake also challenged me about the coast because in my mind it's close to London - but he asked me when was the last time I actually went into London for anything and it has been months! So maybe I don't need it as much as I thought...
As is my wont, I then immediately thought back to Whitehaven in Cumbria (Northumberland is out of my price range for a nice area, sorry Sis), jumped on house selling sites, and found a lovely house there - it's in a good area (although it looks a bit shabby and windblown) -
https://www.primelocation.com/for-s...h_identifier=a7ef62a186340ab86fea7b5508a09e1e - seaviews, 1/2 a mile to Whitehaven itself, and with loads of potential, good sized garden for the cats, room for a downstairs loo - all important considerations

. I'm thinking of going up there for a long weekend in September, so hopefully it will still be available and I can see it. Tidied up a little, it should rent for about £400 a month, which covers the B to L mortgage, and then I can redo the kitchen and bathroom when I'm ready to move up there.
It's not my number 1 option, but with just one salary I can't afford number 1. Thoughts? Sxxx