If you're facing affordability issues with your mortgage in the UK, there are several steps you can take to address the situation and find a solution. Here are some options to consider:

1. **Review Your Budget**: Start by assessing your current financial situation. Take a close look at your income, expenses, and debt obligations. Identify areas where you can cut expenses or increase income to free up more money for your mortgage payments.

2. **Contact Your Lender**: Reach out to your mortgage lender as soon as possible to discuss your situation. Many lenders have procedures in place to assist borrowers facing financial difficulties. They may offer options such as a payment holiday, reduced payment plan, or temporary forbearance.

3. **Explore Government Assistance**: The UK government offers assistance programs for homeowners with mortgage payments. For example, the Support for Mortgage Interest (SMI) scheme provides help with interest payments on mortgages and certain home improvement loans. You may also be eligible for Universal Credit or other benefits to supplement your income.

4. **Consider Remortgaging**: If your financial situation has improved or interest rates have decreased since you obtained your mortgage, consider remortgaging to secure a better deal. This could involve switching to a new lender or renegotiating the terms with your current lender to lower your monthly payments.

5. **Seek Independent Financial Advice**: Consult with an independent financial advisor specialising in mortgages. They can assess your situation, evaluate your options, and recommend the most suitable course of action based on your circumstances.

6. **Explore Government Schemes**: The UK government offers various schemes to assist homeowners, such as the Help to Buy scheme, Shared Ownership, and Right to Buy. These schemes assist with purchasing a property, reducing mortgage costs, or buying a share in your current property.

7. **Consider Selling or Downsizing**: If you cannot afford your mortgage payments even with assistance, consider selling your home or downsizing to a more affordable property. This could help you reduce your mortgage debt and free up funds for other expenses.

8. **Seek Legal Advice**: If you're facing foreclosure or legal action from your lender, seek legal advice promptly to understand your rights and options. A solicitor specializing in housing law can guide you on protecting your interests and negotiating with your lender.

9. **Stay Communicative**: Maintain open communication with your lender throughout the process. Keep them informed of any changes in your financial situation and follow their instructions for seeking assistance or exploring alternative options.

10. **Budget and Financial Management**: Take proactive steps to manage your finances effectively. Create a realistic budget, prioritize essential expenses, and explore ways to increase your income or reduce debt. This may involve cutting unnecessary expenses, negotiating with creditors, or seeking additional sources of income.

Addressing affordability issues with your mortgage in the UK requires proactive action and careful consideration of your options. Don't hesitate to seek assistance from professionals and resources available to navigate this challenging situation.