Mortgage Review Query

Lady_K

I have aquired some arrears on my endowment mortgage and have an appointment for tomorrow morning for a mortgage review. I've never had one before even though the mortgage is 16 years old. The reason I'm having the review is to try to get a lower interest rate because thats the reason for the arrears. I am presently on incapacity benefit and get help with the interest but Halifax help with interest rates up to about 5% or so and mine is 6. something, therefore arrears were created without me realising and the difference per month is more than I can afford along with the endowment payments. Is there anything I should or shouldn't do? and as I've been told over the phone that I could have my interest reduced how do they do that? I just dont want to end up in a bigger mess further along the line. Would they change it to a lower interest that gets bigger later on or something?

I am on Halifax variable rate at the moment

Thanx

Lady_K