How to avoid repossession of your home is first about taking action. You need to speak to someone that can help. Delaying is not an option. Burying your head in the sand won’t help.
Either you need to speak to your bank or someone else needs to on your behalf. If you’re not able to clear your arrears or able to start paying your mortgage repayments, help is available.
You can still walk away and not be tarnished with a repossession on your credit history.