Hi there, first time using this forum so I hope I'm in the right place for this question. We recently had our house valued as they seem to be selling well in our area and we are outgrowing the space with our small family. Our mortgage is at €415K and the valuation was for €280K but could possibly achieve €300K based on recent activity in the market. Is there any chance at all that BOS would write off the balance (approx. 25-30%)? Alternatively, would they let us load a portion of negative equity onto another mortgage we have with them (an apartment my husband had bought/lived which we rent out now and would also be in neg equity). We have no issues making repayments, just keen to trade up while prices are low and only starting to think about ways to deal with our negative equity. I'm sure it's wishful thinking on my part! Any insight/experience of this would be much appreciated!