My mechanic changed the thermostat, once warm the temperature is now steady 90 deg, getting to the thermostat in the diesel is no mean task 4 hours labour plus parts original thermostat $92.65, seal $9.80, Coolant and consumables $50.00, labour $450.00 not cheap. Once I would have done this job myself but don't have the facility unfortunately. Still seems to take a long time warming up around 20 minutes to 90 deg in slow city driving, weather cooling now so perhaps normal.
If anyone else has a MK VI 103 TDI I would welcome feedback on cold start to 90 deg, my brother has a MK V 103 TDI his is at 90 deg after 12 minutes.