Thank you for reply. I have filled in SF form for my mortgage provider etc. and their conclusion is that my mortgage is sustainable. As I have said in my first post, my income covers my debts of various types but what I'm wondering is if the prospect of selling is, in principle, a course worth contemplating at this point or struggle on paying down mortgage etc and have more equity in a few years. By then I'll be in my seventies and goodness knows what will befall me in the meantime ! Life is getting shorter by the day and almost all my money is going to the financial institutions. I fully acknowledge that these are my debts.