Dont Lloyds have a negative equity scheme came across an article the other day, I was going to investigate. Hand in there dude your not alone. Helped get us homes, but screwed us long term .

Hey Same Boat here, Took out a together morgage almost 6 years ago, now that I need a bigger house, I have been looking for options, property was £100,000 secured 75,000 unsecured 25,000, have been paying varibale rate for a year almost, also advised that if I moved the morgage the Interest on the unsecured would almost double. I will dig out my paperwork and post the interest details after 6 years we still owe about 97,000 ...went one worse we took 35 year....we were desperate and needed somewhere to live. I just feel completly screw, esp with a little one on the way (1 bed flat), we might break even or close to it if we sell, but a max of 10k loss, cant decide if I should save to pay the unsecured off and hope we dnt have too much of a loss so I can use it for a deposit for another property or not. Think I will go see a finacial advisor at the end of the month, post any options I am given.