Last edited by a moderator: 24 Jan 2019 Thread title updated to reflect outcome - Brendan I am currently finished a 5 year deal with my mortgage supplier which was at a reduced interest rate and following 2 other short term options lasting 6months and 1 year respectively. I have again completed an up to date MARP form for consideration and I got a call to say that when they input the figures its is coming up as voluntary surrender. Current Mortgage 120k Current value 255k Years left to pay - less that 7 of a 20 year mortgage Less that 1k arrears at present, this is down to them losing my MARP forms in the first case and then having to wait for a slot for a customer services rep to call me which took 6 weeks. I have never missed a payment in the last 6 years I have always kept in contact with them, I have asked them to consider spreading my repayment over 20 years to allow us to stay in the house, this will be possible as the payments are similar to now and I hope to rejoin the workforce even part-time within the next year or two, (I am a single parent with a special needs child who does not attend school on a full time basis) Is it possible to negotiate something like this when voluntary surrender comes up following their assessment? How many times can you use MARP or be under their protection? My main concern is to keep a home for myself and my child to live it, I know I would have approx. 120k clear if I sold it myself now but I would get nothing in our local area for this amount for us to live. Any suggestions, encouragement or advice while I am waiting for them to come back to me in writing about what my options are?