It can be hard enough to keep a real house afloat without a credit crunch – life throws unexpected things our way, from illness, bereavement to redundancy that can throw a massive spanner in the works. If you have a high monthly mortgage and associated household outgoings to meet every month, a slip on the mortgage hamster wheel can leave you in mortgage mayhem – a sell house and rent back scheme could be one way of plastering over the financial gaps.