What to do if your mortgage lender starts court action

Mortgage repossession action should be a last resort. Your lender should work with you and offer support if you’re struggling to pay.

If your lender starts court action it does not necessarily mean you will lose your home.

The judge can help you stay if it’s affordable and you have a realistic plan to repay the arrears.

Get legal advice if you're facing repossession

The breathing space scheme can help people with mortgage arrears.

It pauses the repossession process for up to 60 days while you get debt advice.

Last updated: 9 August 2021

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