Secondtimer
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My apologies, I left out one important piece that was actually the crux of the question. No children so I'd be leaving my house to my 2 neices. I suppose I'd be leaving them a nice tax bill really, so Even though Spry is expensive, I don't actually care, I'll be gone and would rather live comfortably when I'm young enough rather than leave it behind me.Impossible to say without much more information about your overall financial/personal circumstances such as would be provided by a Money Makeover post.
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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...www.askaboutmoney.com