i guess it all depends on when you bought and what the market value was of your house etc. I have roughly calculated that if i sold now and paid back clawback and the remaining mortgage i would roughly make about 180,000 but having said that i have no intention of selling now, bear in mind i have my house over 4 years. 180,000 may seem like a lot but you would be back to square one again looking for a house. I would much prefer the option of remortgaging to maybe convert attic or extend the kitchen but unfortunately don't have that option as was mentioned on a previous thread.