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    Millions of British homeowners are facing serious money problems as the economy slows and they are left unable to meet their mortgage repayment demands, according to recent research.

    A study by the insurance firm Axa has suggested that there are more families vulnerable to having their home repossessed than was the case during the most recent housing crisis in the early 1990s.

    Lending practices during the past 15 years have seen millions of Britons borrowing four or more times their own income levels and for many this will result in unmanageable debt problems if the country’s economic issues worsen.

    Reflecting on the research, Axa’s director of protection marketing Iain Mallon said: "The economic growth experienced in the UK in the past 15 years has encouraged a short-term view of finances with a buy today and pay tomorrow attitude."

    Last week, the mental health charity Mind insisted that lenders in the UK should take a more responsible approach when dealing with individuals who have serious debt management and money problems.

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