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Things to consider are...
Major house works cost?
Are you going to have kids in the next Xyrs? Or if you have kids are their going to be new outgoings - nursery fees, school fees, uni fees in the next Xyrs?
Are you/partner going to go back to education in the next Xyrs?
Will you turn 40 in the next Xyrs, and if so what will your Ti bike cost to build?
etc.
If there are no events on the horizon that will impact your income or cashflow, then do what thingybob suggested and work out what is cheapest.
hugo7
Cheers for the info.
As I've just moved I'm not thinking of going anywhere soon, although global warming and sea level rises may have an effect, but nowt I can do about that.