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The bit about the electricity certainly made me wonder. Until a contract arrives I'm not sure exactly what is covered by them or me.

Everyone has made really good sense and thanks to all.

When you think about it, this apartment will cost approx £1000 a year in fees and bills - would we spend that on say a month's holiday for two? Probably not.

As for the investment, we only paid out £1800 so far but were paying for the whole thing (approx 36k) in cash.

If we didn't go down this route at all, what else could we do to use the money wisely?