Mortgage arrears and repossession
Worried about missed mortgage payments or losing your home?
Check where you are in the home repossession process.
Find out where to get free:
Get advice early if you can.
Missed payments and arrears
How to deal with missed mortgage payments
How to pay off mortgage arrears
Breathing space for mortgage arrears
Taking in a lodger if you have mortgage arrears
How to prevent home repossession
Selling your home to avoid repossession
Options if you cannot pay off your interest only mortgage
How to deal with court action
Repossession rules mortgage lenders must follow
Repossession by your landlord's mortgage lender
What happens at a repossession hearing
Mortgage repossession hearings
After repossession
Find a home after repossession
What happens when a lender sells your home
Mortgage shortfall debts after repossession
Breathing space if you have mortgage arrears
Video transcript
Are you struggling to pay your mortgage, and worried about losing your home?
Have you got bills for things like energy, credit cards or council tax that you can’t pay?
The breathing space scheme could help you.
Breathing space does exactly what it says – it gives you space and time to get help with your money issues.
It can stop payment demands and prevent your lender from taking your home while you get debt advice and help.
You need to ask a debt adviser to get you on the breathing space scheme.
A debt advice charity like Stepchange, Citizens Advice or National Debtline can get you on to breathing space.
Once you’re on the scheme, the people you owe money to, like your mortgage lender,
must stop asking for payments towards the arrears.
They have to freeze interest, fees and charges on the arrears, and put repossession action or bailiffs on hold.
Everyone has the right to a safe home. If you’re struggling, get help now.
A Shelter adviser explains how the breathing space scheme could help with debt and mortgage arrears.
Last updated: 19 April 2024
