I remember finding comparable houses on Rightmove and while it's not a cast iron thing, the monthly mortgage estimate was £1700+ so if she's suddenly got no income, I imagine she's worried. Sorry to say I feel zero sympathy.I think the "anxiety/sleeplessness" isn't about the refunds she needs to administer. It is about her not being able to fund the life she's set up. Possibly big mortgage. Committed to pay shed work?