Scottish trust deed question

SHANKS1000

I signed a Trust Deed last year and it has 2 years to run. At the time I agreed with the adviser that as my mortgage lender would not give me any further capital at that time that my share of the equity in the house plus half my endowment value ie. £ 19,000 would be raised at the end of the 3 years. I think it was hoped that the value of my house would increase but as we all know the likelihood that this will happen now is pretty low. My question is what happens if I can't raise the £ 19,000 in 2 years time, I pretty naively thought that at the end of the Trust Deed I would be asking my lender for the extra capital needed.

I'd hate to think that I went through the stress I went through last year thinking this was a solution only to lose the house in 2 years time anyway. It may be that I'd have to try and raise about £ 10,000 as the endowment is worth about £ 10,000 at the moment and would be sold and the proceeds included in the repayment, however as mortgage is interest only not sure how I am supposed to pay mortgage off at the end of the term.

It felt like the right thing to do at the time but now I'm not so sure.

lisamummytoarchieplusbump

hi just bumping incase anyone knows the answer

lisa