Negitive mortgage how do i move on

I bought a 2 bedroom flat for £25,000 in 1991 the bank allowed 100% mortgage at this time. Since then the building has become un-mortgagble and the value has dropped to £9,000. I now have a family of 3 kids and the flat is too small. I have a baby, a boy of 5 and girl of 3, how could I move on, I have no arrears and the mortgage was for 25 years endowment, I have paid it for 12 years. I only have an annual income of £12,000.

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