If for any reason you find yourself having trouble keeping up with your existing payment plan then you should get in touch with your lender right away and let them know. There are various different options you may have available, from taking a repayment holiday' (essentially stopping payments for a short time) to starting a new, adjusted repayment plan. It is imperative that you contact your lender as soon as possible though as multiple missed payments could result in your home being repossessed.