Hi jules
You will only lose your house if you have equity in it which you cannot persuade friends or family to purchase for you. As you have no equity in the property at present, I suggest that you get a close relative to make an offer to the Official Receiver for a nominal sum towards the beneficial interest - if you do decide to go bankrupt.
How much do you think your car is worth? And if it is the subject of a leasing agreement, it will be up to the leasing company to decide whether you can keep it. Check the small print on the agreement, but I fear that bankruptcy probably gives them grounds to collect it. It if is on hire-purchase, then you may have more of an argument, but it is down to the Official Receiver to decide ultimately.
Regards, Melanie Giles, Insolvency Practitioner for over 20 years.
For further details contact me at
http://www.melaniegiles.com and view my IVA blog at:
http://melaniegiles.blogs.iva.co.uk