Big hugs I agree with changing your mortgage. Get the bank onside, make a face to face appointment with the branch manager and lay it out like you have here, and apply for a hold on your repayments due to hardship. Meeting the mortgage repayments comes way down the line after feeding your family. Also let them know of your "way out" - DH has a job but hasn't been paid yet and when your house sells the mortgage will be gone anyway.

As for getting more money week to week right now I can't really help, but I hope someone with great ideas comes in

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