Is the mortgage market turbulence getting you down? Have you got a mortgage-related question you need answering? Email in, and we will get one of our experts to reply. Nick Mendes, mortgage technical manager at John Charcol, has given his advice to a reader below. If you have a question for our experts, email us at money@theipaper.com .

Question: We have a £2,000 a month mortgage fixed for two more years and are worried that tax changes might affect how much we can afford. What are our options if what is announced on Wednesday affects things?

Answer: You are not alone in worrying about this. Many households already feel stretched and any change to income tax, national insurance or other taxes will feed straight through to take-home pay.

The important thing to remember is that the

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