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Lenders may distinguish between borrowers who are genuinely unable to pay - because of changed circumstances - and those who could pay some/all of the arrears but will not. All genuine cases must be handled sympathetically and positively by the lender, with the objective at all times of assisting the borrower to meet his/her obligations.
Could you not have saved the mortgage payments for when you wouldn't have an income coming in?
Is there a possibility that you could agree going interest only and then renting out some rooms to get this money in?
I went back to college 2 yrs ago and intended taking a career break to try out in the new area so had saved 2 yrs worth of mortgage payments guaranteed bills. Can you put off your training until this is done.
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