I currently have a mortgage with Southern Pacific who are part of the Leadon Brothers who are in administarion I have arrears on my mortgage at the moment and want to get out of this mortgage cause there rates are so high is there anyway I can ask them to reduce my mortgage to make it easier to find another lender cause the loan to value would make it much easier, they are not offering any more mortgae packages as they are no longer offering this as a service, please advise

You can sell your house or you can refinance. Your current lender is under no obligation to you to do anything but cash a check every month.