This page is targeted at housing professionals. Our main site is at www.shelter.org.uk

Mortgage arrears: payment problems

This content applies to England & Wales

Issues arising after falling into arrears with mortgages and the steps borrowers and lenders can take to resolve the situation.

Coronavirus mortgage payment break

Homeowners whose income has been affected by the coronavirus pandemic can contact their lenders to discuss options and request a payment break. 

Negotiating with mortgage lenders

Borrowers facing difficulties to pay their mortgage should check their insurance and contact lenders who must act in compliance with rules on mortgage arrears. 

Reducing mortgage costs

Borrowers may reduce the cost of their mortgage by changing the original mortgage, which may involve paying fees or getting lenders’ consent. 

Voluntary sale

Options and consequences for borrowers considering a voluntary sale after repossession, which is preferable for many borrowers facing an enforced sale. 

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