<prompt> Human: We live in the UK, for reference.My husband and I bought a house with our best friends to help us get on the property ladder, however since then they have both become unemployed due to illness and look to remain that way for the near future. We hope to move out and buy our own place in 2-4 years, and would need them to re-mortgage the house in just their names, but Im worried that will be difficult if neither of them are able to get back into work by then.What can we do to help them in the long term? They are able to pay their portion of the mortgage right now, though barely, but disability and carers allowance will not secure them a good mortgage. Will the fact that the house has been mortgaged to them for a good few years help at all? Any advice or suggestions are very welcome!Assistant: Them making their mortgage payments will help somewhat but if they cant secure a reasonable income to be able to pay the mortgage on their own I think it would be difficult for them to find a lender to re-mortgage themselves without you and your husband. I think in all honestly, the best thing you could do would be having a serious conversation about them and their plans to return to work. I obviously dont know the particulars about their situation and if the illness is lifelong, but they most likely will not be able to survive without you and your husband. Being friends and in a binding financial partnership can be challenging but without them getting back to work I dont see them being able to afford the home. They could qualify for some type of government subsidized housing if they cant afford the house. However, just be careful. I know firsthand dealing with friends and finances is hard. Even best friends, whatever happens dont commit to carrying the mortgage or aiding them financially unless you really really have the income to afford that. Money issues can really destroy friendships and if you dont have the resources to lawyer up if it becomes necessary it could be devastating to your personal finances. TL;DR Help them as you can but be careful not to overextend yourself in to process !Human: Do you have any suggestions on how to talk about it with them? Ive raised the subject before but one of them started having a panic attack about it  <response>: You need to have an adult conversation. You have made a huge financial commitment to each other. You need to be able to talk about I. 