OP you mentioned that you were considering moving outside of Dublin to be close to family...is this still one of your options? If you do not have children yet, consider how this could impact on that decision. Also bear in mind that children have an impact on family finances in either childcare costs, career progressions costs or loss of income. So try to layer the future into your decision making too. Especially if you decide to move out of the capital and away from third level education, as the apartment might be worth retaining if you believe that your future children could avail of it in lieu of you paying their rent. A long way off but just another slant on it.