Thanks for the advice lads, I was thinking it might be nice to get the two renewals in sync as foghorn mentioned, although I don't even want to really contemplate no job and having to do it again next year!
Plus it'll buy a bit of time to save up the cash without having to go too far into debt.
As far as IRRenewal, I saw them advertising here before, and have checked out the site, but as they're in the southeast might end up not being all that economical.
Cheers,