You'll need to find alternative accommodation if you can't delay your home being repossessed.
Homelessness help from the council
Not everyone gets housing when homeless.
The council will assess your situation and work with you to help you find a home.
You usually qualify for emergency housing if you have children, a pregnant woman or a vulnerable adult in your household.
Renting from a private landlord
Look online or use a letting agent to find a private rented home.
Most agents and many landlords run a credit check before offering a tenancy.
If you can't pass a credit check you might be asked to provide a guarantor.
A guarantor is someone who agrees to pay your rent if you can't.
Find out how to rent with a poor credit history.
Renting from a council or housing association
You can apply for council or housing association housing by joining the council's housing list. This is sometimes called the housing register.
Most councils have online application forms.
To get a place on the list you need to:
Waiting lists can be very long. Your priority on the waiting list depends on your circumstances and how much accommodation is available.
Claim benefits to help with rent
You can usually claim universal credit if you or your partner are:
- working age
- on a low income
Universal credit includes a housing element to help with rent. It won't always cover your full rent especially if you rent privately.
You may be able to get extra help by applying for a discretionary housing payment.
You can apply for a budgeting advance if you've claimed any of the following benefits for at least 6 months:
- universal credit
- employment and support allowance (ESA) - income related
- jobseeker's allowance (JSA) - income based
- income support
- pension credit
A budgeting advance is an interest free loan that can be used for one off expenses such as rent in advance or removal costs.
Buying another home after repossession
When you're repossessed it stays on your credit record for up to 6 years.
It's not impossible to get another mortgage during this time but it can be very difficult to find a lender in the first few years after repossession.
After about 3 years it becomes easier if your finances have improved.
You will probably need to pay a:
- larger deposit
- higher interest rate
Some brokers specialise in finding a lender if you can afford a mortgage but have a poor credit rating.
Last updated 05 Nov 2019 | © Shelter
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