KBC Mortgage of €312k, inc Arrears approx €90k, House valued approx €160k. No other debts, and financial situation is now stable. We are back paying €1600 per month for last 8 months, full payment is approx €2600 pm. The payment amount is equal to 45% of net income, and is absolute max affordable due to long term medical expenses. Want to keep house and hoping bank will agree long term restructure at this level. Need some advice on, how best to put forward such a proposal, or what deal could be done with the bank. How would KBC look at such a proposal, and what options would the bank normally consider offering in these situations. Couple, mid 50's, no kids, public sector income. Any advice would be welcome.