I say Hold! we had a couple of properties that we wish we had struggled with and held on to!. If you don't need to sell, then rent or lease to cover any mortgage/costs of the property.
I agree that the Halifax don't know their @rse from a hole in the ground too!. To get an idea of value try assertahome.co.uk, its a buyers search tool. Type in your location and property details and you'll get stuff in the area which will give an idea of the value of similar properties.
No connection here but try fdpsavills.co.uk, they have an office which deals with your price band of property and have a York office, also a oz division too fdpsavills.com.au, which might give you the link you need, whatever you do. They are probably not the cheapest agent though. We used them for a search in the east mids (Finningley are) and they were quite good.
Tennents; lose any emotional ties with the property you might have, its just business! it makes the crap ones easier to tollerate, and makes the good ones seem like angels!
