Mr. Stephen Mason:

It depends on the nature of the issues involved. They can be short-term or long-term. If one takes the classic case of somebody who became unemployed for a period of time and is now back in a job, he or she may not be on the same salary on which he or she was when the mortgage originated. Something like a term extension will probably occur to reduce the monthly repayment in order that the person concerned can retain ownership of the asset.