Saturday, May 7, 2011. What to do if you have a mortgage shortfall. A mortgage shortfall can occur in any number of ways. I usually find with my clients that it is as a result of a partnership break up. In the majority of cases people will buy a property. Together utilising both incomes and they will have had little if any spare money left over after the mortgage payments and general living costs. It is struggle enough sometimes just to pay the mortgage. Where are we now? Repayments cease and eventually .

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