Should you be aged over 55 and be struggling with your mortgage payments, lifetime mortgages or equity release is another potential solution.
These products mean borrowing against the equity in your property, without needing to make any monthly payments - or having the option of making voluntary payments if you wish.
Your home is sold if you pass away or go into care, in which case the proceeds are used to repay the lender, and the balance passes to you or your estate.