How to deal with mortgage arrears

Work out priority and non priority debts

Your mortgage is your most important payment each month.

Prioritise your mortgage and arrears repayments over your other household costs and debts.

Priority debts

Priority debts are the most important. Lenders and other creditors have stronger legal powers to collect money for priority debts.

Priority debts include:

  • mortgage repayments

  • loans secured on your home

  • gas and electricity debts

  • council tax

  • TV licence

There are more serious consequences to not paying priority debts. For example, you can lose your home if you do not pay your mortgage.

Non priority debts

Non priority debts include:

  • credit card debts

  • payday loans

  • catalogues

  • water bills

  • unsecured bank loans

There are less serious consequences if you cannot pay these debts. They still affect your credit rating. You could still face legal action if you do not deal with them.

A non priority debt can become a priority if the company you owe money to gets a county court judgement and you do not pay.

They might apply for a charging order which could put your home at risk.

Get help with debt problems

A debt advisor can help you sort your priority and non priority debts.

They can also help you negotiate affordable repayment terms with your creditors.

Last updated: 18 July 2022

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