Go to main housing advice section

Struggling homeowners

Are mortgage arrears putting your home at risk? Get advice from Shelter.

More useful information

Get your money organised

If you can’t find the cash to pay your mortgage, it’s time to get your money sorted. Can you increase your income or reduce your costs?

Talk to your lender

Your lender may be willing to vary your mortgage so you can reduce your monthly payments or change your mortgage so you pay interest only for a while.

Find out about Government help

If you are claiming certain benefits, you may get help for your interest payments through Support for Mortgage Interest. Find out about Government help for homeowners.

Keep hold of your keys

Never hand back your keys and walk away from your mortgage problems - you still have to pay and your debt will get bigger.

Be prepared for court action

It’s best to seek help early if you are facing court action. If you’ve left it late, see if you can get free help at the court before your hearing.

Be wary of sale and rent back schemes

Think carefully before signing up for one of these schemes - you may not get the long term security you want.

Back to top