Thanks Colin, yes it looks like I misunderstood that thread. It has a single "broker" setup with IP 0.0.0.0.
I confess I'm pretty confused about this but I did get it working once https://discourse.nodered.org/t/mqtt-dynamic-connection-with-changing-ip-adress/69299/3.
I can't replicate that now though, nor at the moment can I get @Steve-Mcl's example to work.