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Mortgage brokers say it is important to stress-test finances to ensure you can continue to meet your home loan repayments, regardless of economic circumstances. The tips below should help.

? Increase your monthly mortgage payment: If you can raise your payment now, it will lessen the impact of future rate rises. This ensures that more of your capital is paid off. Not only will this reduce the length of your mortgage (reducing overall interest charges), but it could improve your equity position when you remortgage.

Most lenders should allow you to do this without penalty, but check that you will not incur a fee. Alternatively, you can use a lump sum to pay off a proportion of your mortgage. Most lenders allow you to pay off 10pc of the balance without redemption penalties (this may not be possible in a fixed-rate or other introductory deal).

? Start saving: In mathematical terms it makes sense to use any spare cash to pay off some of your mortgage rather than save in the bank, because banks will charge you far more on a loan than they pay on your savings. But you might want to build a nest egg instead.

This gives you more flexibility, particularly if you are worried about losing your job. "Borrowing back" money you've overpaid on your mortgage can be expensive, unless you have a flexible or offset deal, and even with a flexible deal you may not be able to access as much money as you expected if your circumstances have changed. If you build a savings cushion you could use it to pay higher mortgage costs.

? Move to a fixed-rate mortgage: For many people, now could be an optimum time to move to a fixed-rate deal. The price of these mortgages has come down considerably. The best deals remain reserved for those with at least 40pc equity in their home, but even people looking to borrow 75pc of a property's value have more choice and better-priced deals. Those who opt for a fixed rate have the peace of mind that regardless of what happens to the economy or interest rates their mortgage payments will stay the same.

? Look at "drop lock" deals: These are sometimes called "switch to fix" mortgages and give home owners the right to move out of a tracker or variable-rate deal on to a fixed-rate at any time.

People might think this gives them the best of both worlds: a cheaper variable rate for now but the option to move on to a fix as and when rates rise. Remember though that, when you do move, the fixed-rate deals may be considerably more expensive than they are now. It isn't inconceivable that if a bank saw huge numbers of customers switching it would put its prices up. Home owners also have to pay an arrangement fee to move.

Capped mortgages offer a similar flexibility – giving borrowers a variable rate that will increase, but only up to a certain point.

? Talk to your lender: If you don't have sufficient equity in your home, talk to your mortgage provider. Some, such as Nationwide Building Society and Halifax, offer deals solely for existing borrowers, even those in negative equity. These will not be as competitively priced as the best-buy deals, but may offer security via a fix or enable those stuck on mortgage deals to move home.

? Take out insurance: Those worried about rate rises can buy insurance. MarketGuard offers a two-year policy called RateGuard. Home owners pay a monthly premium and the policy will pay out if rates rise by more than 1 percentage point. There are other derivative-based products sold by companies such as John Charcol that offer cover for longer periods, but these are aimed at wealthier, professional buy-to-let investors who have to meet income criteria.

As with any insurance, there is a risk that you pay the premiums but never claim. As RateGuard is only a two-year plan there is the chance that rates won't start to move significantly until the end of the policy. Prices start at ￡30 a month for a ￡100,000 mortgage.

? Change your mortgage terms: Anyone having trouble paying their mortgage should contact their lender. It may be able to offer short-term measures to ease the burden. These could include switching to an interest-only mortgage, extending the term or taking a payment holiday (this may only be possible if you have previously made overpayments). While these measures are likely to increase the cost of your mortgage overall (you will be paying interest for longer), they can help reduce payments in the short term.

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Any discussion on Dubai sell its participation in the London Stock Exchange is likely to incite the Qatar to offer counter for actions.

Abu Dhabi family decision advised by Goldman Sachs, has offered $1. 5bn (￡ 967 m) for 20pc of Dubai on the London Stock Exchange and Nasdaq, 17pc participation holding U.S. Exchange. He also accepted an evaluation. 75bn $ 2 for the DMF - Dubai - Award to a merger agreement exchange of Dubai with its own, called ADX.

Any discussion on Dubai sell its participation in the London Stock Exchange is likely to incite the Qatar to offer counter for actions.

Qatar Investment Authority (QIA) has a 15pc stake in the London Stock Exchange which out-dates own held in Dubai. When purchased Dubai first dress the Qatari were said to be angry. Insiders give suggests would very ill at ease with the property exchange hands and end up with Abu Dhabi. QIA would probably offer a premium in Abu Dhabi for the shares, but would require in support of the shareholders of the London Stock Exchange to enable it to increase its participation over 9pc 29 without having to bid for the entire company.

Abu Dhabi is regarded as having the winning hand because it offers a solution on DFM ruling and German family Dubai - who owns 75pc in DMF and issues of London and the Nasdaq Stock Exchange.

Talk about a merger between the two exchanges have been simmering for much of the year, with analysts suggesting such an approach could reduce costs and help to attract more foreign investors. However, at an impasse in the negotiations at the end of the summer when private equity funds Abu Dhabi EIA has sought to become involved.

Instead of this, the ruling family of Abu Dhabi has begun discussions with the ruling family of Dubai. Initially, Dubai has rejected any sale issues. Merger discussions was also complicated by disagreements in assessment that Dubai Exchange has more revenue because it lists companies more global social capital Abu Dhabi Exchange is larger.

Week last German Dubai have agreed to a refinancing loan of its. $ 5bn included to sell shares of Nasdaq 500 m $. In response, Abu Dhabi stated that he would accept the evaluation of DMF high if Dubai would part with the stakes of the London Stock Exchange and Nasdaq.

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