Mortgage arrears

How to deal with mortgage arrears

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

Support for mortgage interest payments (SMI)

Support for mortgage interest (SMI) payments help with mortgage interest for people on certain benefits. Find out more about support for mortgage interest

Sell and rent back schemes

Consider the risks of sale and rent back schemes. There are alternatives to selling and renting back your home.

How to talk to your lender about arrears

Find out how to successfully negotiate with your lender to find solutions to mortgage arrears problems. Arrears and payment problems can be managed

Selling your home voluntarily

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.

Taking in a lodger

Renting out a room in your home may affect your tax and benefits. You may also need permission from your lender.