I'm looking for some advice on what to do while selling 1-bedroom cottage bought in 2004. Remaining Danske (Pepper) mortgage = 142,000. Approx value now = 200,000-215,000. It has been rented out for 6 years as we rented elsewhere with growing family. Recently bought a new family home with partner. Used up every cent of savings and borrowed from family to renovate the new home. Now need to sell cottage as it's costing me money every month with tax, etc and it's stressful worrying if it will need things fixed and the like. Need to simplify life. The tenants are moving out this month and I intend to put it up for sale straightaway. However, I can't afford to pay the mortgage on it as well as the mortgage on the new house while it is being sold. Completely skint. I rang Pepper and no hope of reduced payments or a payment "holiday" even though the mortgage would be redeemed soon. What would happen if I couldn't make the mortgage payments for a few months? Apart from scary letters and a black mark on my credit rating? I would be able to pay €200 or so of the €850 amount due but that would be the extent of it. I'm worried as I've never been in such a position before and was really surprised at Pepper attitude. Essentially "Don't care, just pay up". I can't pay up while it's vacant. Any advice gratefully received.