Borrowing on a mortgage can be safe provided you meet your monthly repayments. It can become more risky if you start to struggle to meet your monthly instalments. If you are consistently missing repayments and have no communication with your lender about the issues you are experiencing, they may repossess the property you have used as security. However, if you’re transparent with your lender about why you’re struggling to make repayments, then they may be able to find a resolution to the situation at hand.