Thanks for the advice; we are currently able to make the payments but are considering having another baby and will need more money if I go on maternity leave, also we will need a bigger house. I am just trying to consider our options - whether we would be better off renting a bigger house which woul...

We have been on an IVA for five months that includes a clause whereby we must remortgage after four years and pay any profit to the IVA. Does this mean that we will be unable to sell or 'voluntarily return' our house in the meantime? We are in negative equity and have a secured loan on the property ...