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Because of our ages payment holidays, going interest free for a period or extending the term aren't options unfortunately. We'd only have less time to pay off the same amount, thereby just delaying, or increasing, the pain

You're making an assumption that i can afford to do pay this. I can't. We were already falling into debt beforehand at a relatively slow rate, and now this will hasten rapidly, quite possibly spiralling out of control. The question is will my debts be called in before i have a solution to pay...

error quoting.

I've just fixed for 3 years. The monthly increase i'm having to pay is the equivalent of buying a new boiler every 3rd month.