Hi, Also have the same problem as everyone else here. Mortgage £97,000 Unsecured Loan £30,000 House Value £115,000 so in negative equity of £12,000. Mortgage was taken out on fixed rate 6.9 percent, in April 2007, for 5 years. Fixed rate finishes 1st March 2012. So if I sold the house at £115,000, I would still owe £12k on the unsecured loan and the interest rate on this would rise 5 percent on top of the NRAM SVR. Which takes us around the 9 to 10 percent as it currently stands. Has anyone found any loop holes in this to avoid the interest rate hike? I would be more than happy to carry on paying the £12k on a normal SVR short term. Anyone in the same position or who can advise on a way forward with this? Matt