We can help if you’re struggling to pay your rent or mortgage. Getting into arrears doesn’t mean you have to lose your home. You can negotiate with your landlord or mortgage lender so that you can pay off what you owe at a rate you can afford.
This content applies to England only
Pay your rent or mortgage first
Paying the rent or mortgage should always be your first priority, or you could lose your home. We show you how to deal with priority debts first.
Check if you’re entitled to housing benefit
Government help for homeowners
If you are claiming certain benefits, you may get help for your interest payments through the Support for Mortgage Interest scheme.
Get your money organised
Apply for a budgeting loan
You could get an interest free budgeting loan from the government to help with housing-related costs, if you are already claiming certain benefits.