Basically we need to extend the term of our mortgage to be able to stay afloat. Unfortunately, as I'm a Supply teacher our bank won't take into account my salary as it's not permanent (even though I am working every day and bringing home a regular income). My DH and I had a 2 hour telephone conversation with our bank this evening and at the end of it was told NO. Feeling very low and depressed - what else can we do?