Response to SHOULD I REPOSESS MY HOME

What can I tell you - how about don't do it? You will not qualify for council accommodation anyway - if your home gets repossessed you will be classed as having made yourself "voluntarily homeless." Off to the very bottom of the list you go (if indeed they let you go on it at all) and you will stay there for a good long while. If you are having difficulties and really can't pay the mortgage, keep the Lender informed at all times (in writing) and consider selling the house asap. Keeping the Lender in the picture can only protect your position and they may be able to help anyway - perhaps with a payment plan, until you return to work. If you can't afford the house at all without your income, then quitting work for good is not an option really is it? I can tell you having been through the repo circus with (at the time) two very young kids, if you can work and keep your home I would do so over and above any other option. You may be able to sell whilst you are on Mat Leave anyway, and your SMP will tide you over. If you do sell, you will then be able to go into private rented for a while and legitimately go onto a housing list somewhere. Best of luck.

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