If you are finding that your repayments are beyond you, but you’re at a loss as to how to fix the problem, would it help if I were to babysit your loan from today so that you can move on?

If your house is on the market at the moment but you’re not getting the response you had hoped for, consider this. Do you really need all the money now, or could you have some now and some later? Or could you have some now, some in instalments and some later?

What exactly do you want to do with the money you’ll get from selling? It is unlikely that you just want to have a big pile of cash in the bank. You will have a specific reason for selling. By understanding what that reason is my aim is to work on a solution designed specifically for you. It could be your immediate need is relief from the monthly repayments and enough cash to move out. If you can achieve that, you might be happy to have the balance of the money a little later. It could be that you want funds to go travelling and also have a regular income to fund your lifestyle.

It’s a sad fact that for many people, even though some equity may have been built up in their home, by the time the estate agent’s commission and advertising costs have been paid, there’ll be very little left.