Mr. Stephen Mason:

The most likely situation is that a customer is in arrears and has completed an SFS and provided the bank with full information. Unfortunately, in the circumstances, we would not have a forbearance solution that would work for the customer and the mortgage would be deemed unsustainable. We would then look at whether the property and personal circumstances of the customer indicated that it was a suitable case for mortgage-to-rent. If it were a suitable case, that is what we would propose. If not, we would have discussions with the customer on voluntarily selling or surrendering the property.