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BySophieStampISthecreditcruncheatingawayatyoursavingsAreyoustrugglingtokeepupyourmortgagerepaymentsArecompaniesofferingeasyloanandmortgagerepaymentsnotquitefittingthebillDoyoureallynotwanttomovebutfeelyouhavenootheroptionManyofBritainshomeownersarestrugglingtopayofftheirmortgagesbuttheremaynowbehopewiththelatestcrazetohitBritain.Thesell-your-home-to-rent-it-backschemeisthenewestrevelationinsellingyourhomewithoutactuallyhavingtomove.Thisrevelationgivesyouthechancetosellyourhomeenablingyoutorentitbackandwitha5yeartenancyagreementthereiseventheopportunitytoeventuallybuybackyourhome.Itoffersthenohassleofmovingandsettlingintoanewhouseoradjustingtonewsurroundingsandwithsomanyofusjumpingontothebandwagonitssettobearevolution.Thisgenerationissettostrugglefinanciallywithfirsttimebuyersfindingitharderthanevertogetevenonesteponthepropertyladderandatthisratethereislittlehopeforthenextgenerationwithhousepriceseverrising.ProfessorDavidBlanchflowerformerBankofEnglandpolicymakerdescribesthesituationasThebiggesteconomicwarwehavefacedin100years.WiththecreditcrunchstillasbadaseverthereseemsthereislittlehopeformanyofusbuteventhoughBritainisstillinrecessionweareallstillspendingourmoneyliketheresnotomorrowandwithhighstreetshopwindowsflirtingwithoureyespromotingsalesitsnosurprisethatweare.WithsomeshopssuchaslingeriestoreAnnSummersnoticingasmuchasa30riseinsalesweaskourselveswhyarewespendingsomuchandnotdoinganythingaboutourhomes.ItsaveryworryingprospectandtimetoliveinbutwithAmericareportingthattheyarenolongerinrecessionthereisstillhopeforus.ProfessorDavidBlanchflowerstillworrieshoweverThereisverylittlesignemploymentimprovingatallandtopreparefortheworstandhopeforthebest.Allwecandoishope.PaulandChrisBeaufoyfromDevonarejustoneofthemanycoupleswhoareoutofideas.WithabeautifulhomeintheseasidetownofTorquaywithbreathtakingviewsacrosstheEnglishRivieraitsunderstandablewhytheywouldntwanttomove.WithPauljustbeingmaderedundantandChrisregistereddisabledtheyfeelthattheyhavenootheroptionbuttosell.Wecantaffordtomakethemortgagerepaymentswestruggleenoughasitisbutwereallydontwanttomove.WehavecreatedthishavenforourchildrentoliveinandtothinkthatwehavetoloseitalltomovesomewherethatwecannolongercallhomeisunbearableDescribesChris.Butafteralongtimespentresearchingintothesell-your-home-to-rent-it-backphenomenonPaulandChrisnowfeelthatwhatwasoncealimitednumberofoptionsavailabletothemhasnowbecomenumerousoptions.IfeelasifanewsetofcardshavebeendealtoutonthetableIcantbelievethisissuchasimpleoptionandaneasywayoutofourmisery.AhugeweighthasbeenliftedoffofourshouldersSaysadelightedandrelievedPaul.PaulandChrisnowsharetheirexperiencewithothermortgageownerswhoareinsimilarsituationsurgingthemtoreconsiderandre-evaluatetheiroptionsastheremayjustbehopearoundthecorner.Ifyouarenolongerinapositionofaffordingtopaybackyourmortgagefearnotastheeasiestoptionofthemallmayjustbeasimplephonecalloraclickaway.Formoreinformationaboutthesell-your-home-to-rent-it-back-schemevisitwww.rentbackmyproperty.co.ukOrforfirst-handadviceonmortgagesandrepossessioncall08000481779orvisitwww.ukrepossessionhelpline.org.PleaseMentionAcrossKentWhenYouCallOurAdvertisers0781352526215CREDITCRUNCH-RentbackorBuyback