Mortgage arrears

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.

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

Help for struggling homeowners

Help and adivce is available if you're struggling with mortgage arrears or facing repossession.

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 scheme risks

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

Negotiating with lenders

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.

Renting out your home

Renting out your home can help you manage mortgage arrears or debt. Find out how this can affect your tax and benefits.

Renting out a room in your home

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

Mortgage interest rate rises

The threat of rising interest rates is enough to make any homeowner feel worried, but there are things you can do to prepare