The simple answer is that if you do not pay your mortgage then at some point your lender is going to take action to recover the money owed by repossessing and selling the property.
Mortgages and mortgage arrears are classed as a priority debt and failure to meet contractual payments or come to a satisfactory arrangement to clear arrears can lead to you losing your home. It is very important that you try and sort out this problem as soon as possible by contacting your lender. It's also important that you keep paying something on a regular basis even if you can't afford the full amount. You will need to provide the lender (mortgage company) a full list of your income and expenditure (on a Personal Budget Sheet ). The income and expenditure details that you provide will give the lender an overview of your current financial position. You should also let the 'lender' know if your circumstances have changed such as death of a partner, marriage breakdown, unemployment, reduction in wages or benefits, illness, birth of a child, etc. The 'lender' will want you to offer an extra sum of payment towards the arrears in addition to the contractual monthly installment. Some lenders will request that the arrears be cleared over the next 12 to 24 months. If you cannot manage this ask for more time and start paying what you have offered. Tell the 'lender' if your house is worth much more than the total mortgage as they may agree for you to repay the arrears over a longer period.

This question was answered by Debt Advice Foundation, an independent UK debt advice charity. Debt Advice Foundation provides a free, confidential helpline and can advise you of all your options.
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i have arrears of 5k on my mortgage for the last 3 years i have been paying an extra £70 a month on top of my mortgage to come off the arrears the bank have now written to me saying that is no longer available and they now want the full amount or i will be taken to court i have never missed a payment on this agreement