Talk to your lender as soon as it looks like you're going to have problems paying your mortgage. The quicker you do it, the better your chances of keeping your home.
If you have had a letter from your mortgage lender threatening court action for repossession, or a letter from the court giving you a hearing date, find out how to get legal advice now and find out what you can do about repossession.
Knowing how to manage mortgage arrears can help you keep your home. Find out what you can do if you are struggling to keep up with your mortgage payments
Are you struggling to pay a second mortgage or secured loan taken out against the value of your home? Find out what happens if you are behind with your payments
Find out how to successfully negotiate with your lender to find a solution to mortgage arrears problems. Mortgage arrears and payment problems can be managed.
If you're facing repossession or struggling with mortgage payments there are Government schemes to help struggling homeowners avoid repossession.
Talk to your mortgage lender about your options if you are having problems keeping up with your repayment mortgage.
If you have an endowment or ISA mortgage, you may be able to reduce your payments, sell your investment or switch to a more flexible mortgage.
Renting out a room in your home may affect your tax and benefits. You may also need permission from your lender.
Renting out your home can help you manage mortgage arrears or debt. Find out how this can affect your tax and benefits.
Selling your home because of mortgage arrears is a last resort solution. But don't rush into it – you may be able to negotiate with your lender first.
You still have to pay your mortgage if you give your home back to your mortgage lender. Voluntary repossession is rarely advisable.
Sale and rent back schemes have been discredited by the Financial Services Authority.