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Screensize: 640 x 480 800 x 600 1024 x 768 1280 x 1024 UserName: Password: Format Mode: Basic  Help  Prompt  Format: Font Andale Mono Arial Arial Black Book Antiqua Century Gothic Comic Sans MS Courier New Georgia Impact Lucida Console Script MT Bold Stencil Tahoma Times New Roman Trebuchet MS Verdana   Size 1 2 3 4 5 6   Color Black Red Yellow Pink Green Orange Purple Blue Beige Brown Teal Navy Maroon LimeGreen Message: * HTML is OFF * Forum Code is ON Smilies [quote][i]Originally posted by quickfix[/i] [br]Hi, i am looking for some sound advice on whether it is best to sit tight in my home until after i am BR, Or find other suitable accomodation beforehand. I will have negative or minimal equity after my mortgage/ secured loan. i also have unsecure loans for approx 25k, i have 3 dependent children and my wife who doesnt work or claim any benefits. One of the things that makes this a difficult decision is that if i stay put in the home and take a chance that the or wont try and sell straight away is that when the OR takes into account my outgoings as i am in employment but drowning fastly with monthly outgoings is that i wont have to contribute anything for 3 years due to i dont have any disposable income available each month if i stay put as it will take into account my mortgage and secured loan, However if i move to a rented property and hand the keys in so to speak to do a re-possession then the OR will look at my disposable income differently and want me to contribute for 3 years, is this correct?. Appreciate any help with this as my head is also drowning with what to do. Thanks. [/quote]   Check here to include your profile signature. Check here to subscribe to this topic.