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 doesn’t 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

Breathing Space is a new scheme that can help people with mortgage arrears. It pauses the repossession process for up to 60 days while you get debt advice.

Find out if you qualify for breathing space

Last updated: 9 August 2021

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