Hi, I was made bankrupt last July and am coming up for automatic discharge (at last!). But I need a bit of advice regarding my housing situation. I have a house with an interest only mortgage and a secured loan, so when I went BR I had a valuation done, and at that time there was little or no equity in it so I said to the OR that I wanted to buy back the beneficial interest and he said this would be dealt with once I was discharged and the relevant documents would be sent to the relevant department, that was a year ago and i haven't heard anything since then. The trouble is the housing market has taken a downward turn and so now it's definately in negative equity. But my mortgage payment together with my secured loan are so high, my interest rate is 8.9% (adverse credit mortgage). So my question is this, is there any chance that anyone would let me remortgage to reduce my payments? Or if I handed back the keys to the house after I was discharged, would I then be liable for any shortfall? Also, if the house was repossessed would this look even worse on my credit file if and when it came to getting another mortgage? My partner has a house and we've discussed moving in together so i would want to be put on the mortgage (my house is only 1 bed and he has 2 children who visit so we can't live in mine). His lender has said that this is fine as long as I've been discharged for a year, but would a repossession alter this? Sorry for so many questions, but I just don't know what to do for the best. Many thanks.