Dawn Burden bought her property in August 2007, but is now in negative equity.
She is nearing the end of a two-year fixed rate deal at 5.8 % and instead of being able to switch to a tracker or a cheaper fixed rate deal she cannot remortgage because she is in negative equity.
She talked to the BBC's Andrew Verity about her concerns.
BBC Two is planning a major series for May on property prices and the downturn called Propertywatch, which will be broadcast from 11-14 May at 2000 BST on BBC Two.
One-Minute World News
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