Home repossessions are on the increase as people struggle to make their repayments. For many the changes in their financial circumstances resulting form unexpected unemployment or as a consequence of the current global financial downturn have left them unable to meet the demands of the contract they entered into when applying for a mortgage. Remember, changes will come and it is always wise to consider insurance against inability to repay through illness or unemployment. All these matters will be raised if you consult with an independent expert prior to signing any agreement. There is nothing to be gained by rushing into an agreement without considering these vital issues.