Mortgage arrears

The economy is officially in recovery, but for many people the risk of losing their home through repossession is still present.

If you are finding it difficult to afford your monthly payments, or your lender has started court proceedings to take possession of your home, you have no time to lose – the sooner you do something about your finances, the more options you may have for saving your home from repossession.

The main steps for tackling your mortgage debt are outlined below and expanded in the mortgage debt and repossession advice section of the site. You will also find tools and information to help you communicate with your lender and start dealing with your debts.

Find out what steps you can take to stop repossession of your home.

First things first

Getting into difficulties with your mortgage payments is often easier than you think, so the sooner you tackle your financial problems, the better the result may be for you. More

Get to grips with your debts

Nothing will get resolved if you bury your head in sand. But even the simplest action on your part could mean the difference between being homeless and keeping your home. Learn how to get to grips with your debts. More

Plan your way out of arrears

Can you distinguish your priority debts from non-priority debts? Do you know exactly how much money you have coming in and going out each month? Have you discussed your options with your lender? This section will guide you through the process of dealing with your arrears.  More

Facing court action

Even if the repossession process has already started, you may still be able to keep your home. Whether you can stop the process will depend on why the lender is taking action and what you can do to put things right. Get the right advice if your lender starts court proceedings against you. More

Possession granted - what now?

As a part of this online resource, we have also developed a range of tools to help you communicate with your lenders and achieve various tasks in the process of dealing with your debts. More