Repossession
This content applies to England only.
Housing laws vary between England and Scotland. Get advice relating to Scotland
Your home can only be repossessed by your mortgage lender for mortgage arrears if a court agrees and if the correct procedures are followed. Find out how lenders can repossess homes and how to negotiate to keep your home. Help is available, don't face repossession alone.
Seven steps to repossession
The steps a mortgage lender or freeholder must follow to repossess your home.
Tips on avoiding repossession
Practical ideas if you're falling behind with your mortgage - from negotiating with your lender to government help. Our tips can help you keep your home.
How to prevent a lender taking court action
Explains how it may be possible to prevent court action if your lender or freeholder wants to evict you and repossess your home.
Rules mortgage lenders must follow
The pre-action protocol for mortgage arrears means lenders should take all reasonable steps to avoid repossession of a homeowner's home.
If your mortgage lender takes you to court
What happens in court if a mortgage lender or freeholder applies to the court to repossess a home. What can the court decide? Will you lose your home?
Eviction by bailiffs after repossession
Eviction by the bailiffs can only happen after a lender is granted a possession order. Homeowners must act quickly to delay or stop eviction by bailiffs.
Finding a home after repossession
Outlines how your alternative housing options may be affected if your home has been repossessed.
Money matters after repossession
Outlines what happens if the court decides to evict you. Explains the bailiffs' role and what happens to your home and your outstanding mortgage.
Repossession by a landlord's lender
Repossession by a landlord’s lender happens because a landlord has not been keeping up to date with the mortgage repayments. Tenants need to act quickly ...
