This content applies to England only.
Housing laws vary between England and Scotland. Get advice relating to Scotland
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 have had 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.
The mortgage rescue scheme provides government-funded help for homeowners at risk of repossession. Find out who can qualify for the scheme and what it offers
Support for mortgage interest (SMI) can help home-owners with their mortgage interest payments if they’re claiming certain benefits. Find out more about SMI.
It may be possible to negotiate to reduce your monthly mortgage payments. Your options will depend on the type of mortgage you have.
Could you make your mortgage more affordable by renting out your property? Find out what your rights are if you’re considering renting out all or 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.
Sale and rent back companies buy your home, usually at a reduced price, then rent it back to you. However, the tenancies offered don't provide long-term security and you can easily be evicted.