If you love your home, but your mortgage has gone up and your equity has gone down or disappeared, you need to increase your income.   Nobody else can really help.  Your lender might let you port your negative equity mortgage to another, more expensive property and you let one of the two out.

Or you stay where you are and increase your income.  Why not take a lodger or two for a year.  You would probably do this under the rent-a-room scheme and so it is tax-free.  Find a student or young person (sometimes you have to cater for them).  Or find a worker who only needs accommodation Monday to Friday.  Their company is probably giving them an allowance for bed and board.  So why not let a lodger help you with the mortgage?

When we suggest that people take a lodger, a lot of people are appalled at the thought.  But if it is a choice between having someone share your home for a while or losing your home for ever, surely there is no question.

The worst thing you can do is do nothing.  There is no place for the stiff upper lip.  Do what you have to do.  Fight to keep your home.  Show your lender you are determined to keep up your payments, provided you have your finances in order.