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Thanks both - I can see it clearly now 

Thanks for the extra information matthewj64 - very interesting that there was one in Hotham too. My grt grt grand aunt died in her house on High Street, Hotham in 1903.  Her husband William Johnston ran a foundry in North Melbourne that he set up in 1856. His foundry cast the hands on the North Melbourne Town Hall clock.  The Foundry did not succeed and shut down in 1859; there was a fire on 25 Feburary 1859 and 50 houses and the foundry were destroyed.

It makes sense for the name to have come from Clifton Farm handypandy.  It would be amazing if this particular "Clifton Cottage" survives somewhere to this day as some of the others seem to.  Thanks again.

Thanks so much everyone for solving this mystery - I always thought it would be Australia but to narrow it right down a a particular place in the late 1870s is fantastic 

This photograph belonged to my great grandmother; she had a brother who emigrated to Australia but I've always thought this would be too early to pertain to him and his family as he didn't go out until the early 1880s and that seems to have been borne out.  She had an aunt, her father's sister, who emigrated in 1852 though and who ended up in Melbourne specifically North Melbourne (Hotham).  I think it must be descendants of hers in the photo; she had a number of children and by the late 1870s several of them had children of their own so I suspect the women are either my great great grand aunt's daughters or daughters-in-law and three of her grandchildren.  I'll probably never know for sure but it seems the best explanation.

Thanks also for the restore Yvonne 

Thanks greywolf907 and Loord74 - excellent restores 

I would take a stab at mid to late 1860's, that's my guess.

Thanks Seoras; that's in line with my thinking too.  My best guess is she is my great great grandmother who died in 1873 when she was 42.