It can be difficult, but please try to use a meaningful title in your thread For example "27 year old with mortgage arrears". You will get a much better and much more coherent answer if you give as much information as possible in your first post. For example, if you give your mortgage rate, it...
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There isn't really enough information in your post to offer useful advice.
Especially if there are other relevant personal/financial factors - e.g. this?