We are in a similar position although slightly longer timescales. We are also renting our flat and not selling it but that is because we want to keep it as an investment. We have a lot of work to do on it still & debts to pay off. Now we can either really go for it and go in aorund a years time with just enough money & look for jobs quickly or we can live here for a couple of years and get more money behind us as we'd like to start a business when we get over there. A bit like you our heads are in a spin and we keep changing our minds, particularly after a bad day at work its, oh sod it lets get there as quickly as possible! And then the sensible head kicks in, we should make the most of our situation now (as both in good jobs) and save more money! arrghhh But realistically i think we will just have to play it by ear & let fate take its course. Im sure we'll come back from Oz wanting to go quickly but like you say it really depends how quickly we can find work/how much we can earn etc because if we are going to be worse off initially then really we should stay here a bit longer.
Sorry for the waffle, probbaly not really helped but wanted you to know we are in a similar boat!
Cara ps I am also a just go for it person but like you, somthing is holding me back. Is it my sensible head or is it because im scared?? Or a bit of both?? lol You think getting the visa is the end, but its just the beginning........