Personal and income details Net 736pm employed: part time, Net income partner/spouse: 3293.30pm full time employment: number of children: No dependents Home loan Lender: PTSB Amount outstanding: 126,703.44 on 1Plan & 83,420.03 Home Loan: Total (210,123.47) Value of home: 18000 Interest rate: 4.34% on 1Plan & 1.75% Tracker on Home Loan Monthly repayment: 1453.90 inc Mortgage protection & House Ins, Amount in arrears : was 1462, but now cleared Made full payments until April 2013, contacted arrears support unit before going into arrears, they weren't interested, have struggled for years, using credit cards, bank loans etc to maintain payments and upkeep of three properties, was only able to work around 6-8 days in total between late February and middle of May as I was taking care of my terminally ill Mother. Investment property - x 2 Lender: PTSB Amount outstanding: 160000 & 165000 (TOTAL 325000) Value of homes: 70-80000 & 120-125000 (TOTAL 205000max) Interest rate: Tracker IO RIP @ 1.6% & IO RIP @ 5.64% Monthly repayment 1214.32 inc Mort protection & House Ins. Amount in arrears: 5120 Monthly rent received: 951, should be 1018 but one tenant often has a reason not to pay rent so I have averaged payments out over past year. Other loans and creditors - delete those which don't apply to you x 2 = 8300 Total Owed Credit Card 1. AIB 132pm: arrears 164. Credit Card 2. Avant 103pm: arrears 246. Bank Loan: 352pm, 7640 outstanding. No arrears. Living Expenses 1880pm, Includes, general Repairs & Maintenance & Household charge on 3 Houses, PRTB on 2 Houses. Running 2 cars because we work different shifts, I start work at 8am and finish at 4 he starts at 12.30 and finishes at 11.30pm, no public transport to service either shift but we are trying to work out a way of making one car do, does not cover major repairs which we have had many of over the past 6 years. Other savings and investments 600 credit union, Deposits for Rental properties. How important is retaining the family home to you? Want to keep the family home, it's on a site given by My husband's parents in their garden with shared access road past there home, they will be devastated if we have to sell. Any other relevant information PTSB who hold all mortgages have today offered a split mortgage on the two rental properties, see below. Aib offered to refinance credit card and outstanding loan, but refused as we would only be saving about 60euros pm while extending loan by 20 months, don't know if this was wrong or right decision, but I can't bare agreeing to anymore debt at the moment. What is your preferred realistic outcome? We will never be in a position to pay off all mortgages but want to keep our family home. We desperately need advice at this stage as we know given our ages both 50 on next birthdays, that our income capacity will not improve and the offer below is going to take us well past retirement age with huge mortgage debt unless property prices increase by at least 50% within the next 16 years.