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Re: Need some housing advice.
Do you have the £3k to cover the arrears? Do you need to re-mortgage to get your uncle off the mortgage? Can't you simply continue the existing mortgage without the uncle, and perhaps retro-actively take a payment holiday?
Does your mortgage lender actually understand the situation and are they aware you are actually trying to solve the problem with your uncle that led to the arrears?
Edit: also: What type of mortgage do you have now? Is it interest only?
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