If you are in this situation there are three steps you should follow:
1. Tell your lender as soon as possible: your lender will be sympathetic and will provide as much assistance as possible.
2. Get advice: there are organizations which offer free and independent money advice.
3. Check the help available to you: your repayments may be covered by an insurance policy or you may be eligible for government benefits or schemes which could help you to stay in your home.
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