Let's look at what happens if we convert all the mortgages to interest only
Home loan - €70,000 @ 5% = €3,500
BoI investment - €400,000 @ 5% = €20,000
KBC investment - 190,000@4% = €7,600
Total interest - €31,000 per year
Interest per month - €2,600
Rent received - €1,775
net monthly shortfall - €800
So you can comfortably cover the interest on your mortgages.
You should ask all three to put you on interest only. Even if they don't agree, if you pay the interest, they are unlikely to take further action.
Shares worth about 40000
Why have you shares worth €40,000 when you have €14,000 in expensive credit card and term loan debt? You are borrowing money at rates between 10% and 20% to invest in shares.
You should sell these shares and pay off the unsecured debt.
You should not be in arrears and damaging your credit record, while you have such shares.
Net asset position
|value|mortgage
Home|250|70
Warehouse|200|400
Flats |30|190
Total|€480k|€650
You don't need to panic. You can afford the interest on the mortgages and, if property prices rise by 35% , your negative equity will evaporate.
You have €500k in a pension fund and your wife has a state pension anyway.
While you don't need to panic, your wife can't afford to retire
As long as she is working, she is getting an income but also she is building up a bigger pension.