If you're facing repossession or struggling with mortgage payments there are Government schemes to help struggling homeowners avoid repossession.

HMS is a Government initiative designed to help homeowners who are struggling to meet their mortgage payments because of a temporary drop in income. Find out how it works and whether you are eligible.

The mortgage rescue scheme provides government-funded help for homeowners at risk of repossession. Find out who can qualify for the mortgage rescue scheme what it offers.

Support for mortgage interest (SMI) offers help with mortgage interest for people claiming certain benefits. Find out who can claim SMI and what kind of help it offers.

Knowing how to manage mortgage arrears can help you keep your home safe. Our guide to tackling mortgage arrears tells you what to do if keeping up with mortgage payments becomes a problem.

Mortgage arrears and payment problems can be managed. We look at how to negotiate with lenders over mortgage arrears to find a solution to mortgage arrears problems.

It may be possible to negotiate to reduce your monthly mortgage payments. Your options will depend on the type of mortgage you have.

How to make your mortgage more affordable by renting out your property. Find out what your rights are if you’re considering renting out your property or renting out part of your home.

You may decide to sell your home to pay off your mortgage arrears.

Giving your keys to your lender is called voluntary repossession. It is not usually advisable and may increase your debts, and you will still be responsible for paying the mortgage until the property is sold.

Think carefully before signing up to a sale and lease back scheme. There may be major risks involved.

Arranging a second mortgage or getting a secured loan is risky and will probably increase your overall debt.

Insurance that can help you to keep up your repayments for a time if you are unable to work because of illness, accident or redundancy.

A secured loan is a loan that is taken out against the value of your property, in addition to your first or original mortgage. This means that if you are unable to repay your loan then your lender can take steps to repossess your home.