Hi I have a mortgage with Ulster Bank. I have a tracker rate. I was on an arrangement with them but paid P & I. I earn 20k per year and also have FIS of 90euro per week. My mortgage runs until 2038 and although I am not in arrears they have told me my mortgage is unsustainable. They advised me of the Mortgage to Rent scheme but although it's a struggle each month paying the mortgage I am terrified of not owning my own home. My 2 daughters are adults now although the youngest 18 lives at home still. I never had much left after paying my mortgage for anything but always thought when I die they would have the house. I feel such a failure. Is there any such thing as switching to a council loan rather than mortgage to rent. Is there anything I can do to keep my home at affordable monthly payments..of around 400 pm. Loan balance is 134k valued at 120k. This is my first time posting so sorry if I've done anything wrong. Bank told me this on call going through finances last Saturday.. They sent valuer down on Wednesday. I'm so scared and clueless..