RTN, I did think of Google and the search but your concise answer is exactly the level I was seeking. I knew the step, just not the right order
£60k is a reasonable target but as daddy will be funding him and daddy can't afford to fund him at that level there are two choices. Stagger the whole over an affordable time scale or sell his house.
As you say, there is not necessarily a job at the end of that tunnel.
Thank you.