Im sorry you are where you are right now. Im new here too and unfortunately have no answers. Maybe chat with the advice line on here, Im guessing they will be a good source of practical advice re the mortgage. I have also found Citizens advice of some use. I think we have to acknowledge that whilst everything is a mess we just have to put one foot in front of the other and get through the day. We are going to do things wrong, get angry, and every other emotion. We are not super human. You have your childrens best interests at heart and are doing your best by them. I hope this doesnt sound patronising, certainly not meant that way as i feel as lost as you just trying to navigate through this mess. Look after yourself.