How to deal with mortgage arrears

The breathing space scheme could pause eviction, repossession or debt recovery while you get free debt advice.

Contact your lender

Contact them as soon as you think there might be a problem.

Your lender may be more helpful if you tell them about problems early on.

If your mortgage lender has started court action, you can still speak to them.

Contact a debt adviser

Get debt advice as soon as you can.

A debt adviser can help you work out a budget, prioritise your debts and negotiate with your lender and other creditors.

Last updated: 28 April 2022

If you need to talk to someone, we'll do our best to help

Get help