I was struggling to make my mortgage payments, but loved my home and didn’t want to move. I was in negative equity and wouldn’t have been able to afford to repay my outstanding mortgage debt, even if I did manage to sell my home privately. I knew it would be very hard to find somewhere to rent, and I would never manage to pay my debts and rent. I went to MABS for advice and they explained the different options to me. MTR sounded like a way out. I knew it meant I wouldn’t own my house anymore, but I was so happy I wouldn’t have to leave my home. An AHB has just expressed an interest in buying my house from the bank, so I am about half-way through the MTR process now. I’ve found the paperwork manageable so far, but would have liked more contact from the bank and housing body about the progress.