This week&#39s problem case

Mr and Mrs Smith have a residential mortgage of £75,750 (property value £180,000). Mr Smith has always dreamt about spending time in a warmer climate and would like to do so in a couple of years. They have a small amount of savings but not the level of capital they need to set up overseas. Mr Smith knows that one way of realising his dream is to sell his property, but he would ideally like to keep his current home for when they want to return.