One further question if the bank decided not to continue our mortgage even though our payments are up to date and have never been late plus as agreed with them we put our home on the market What are our rights as far as foreclosure and /or how long would it take them to put this in place? I see this as age discrimination. My husband my be 70, but he is not retired he the Chairman of a company and we have plenty of assists plus I work! I think a Judge would feel they were being unreasonable under the circumstances. It is hardly our problem that the real estate market in Scotland is slow this time of year. Our mortgage is in England and the property is in Scotland does that make a difference. ?