The next stage, maybe

[mishka422]

Hey Ali - wanna advise me? I am clueless when it comes to financial stuff. Probably why I'm in the mess I'm in huh?

(((((Julia))))))

Sorry I haven't posted to you in a while. I've been so dumbfounded about your H's communications of late that I have no idea what to say.

IMO, validate that he wants a break from the payments, lay out the true implications in the added interest you will BOTH accrue because of the 8 months of unpaid interest. Ask if he would be willing to set aside the interest amount (as Ali suggests) in a separate account for that time period while you look for renters for the house. You can both pay the block amount of that interest at the end of the 8 months and hopefully the house will have been rented during that time and the market will start turning. You'd also be in a better season for home buying. I don't know about the UK but in the US "house buying season" is typically May-August because people with kids don't want to move during the school year.

Julia - I also put some info on your FB inbox. Take a look and let me know your thoughts.