Help with mortgage payments
If you are behind with your mortgage payments, or can no longer pay your mortgage, you should contact your mortgage lender as soon as possible to discuss your situation. Your difficulties may be because you are temporarily unable to work due to ill health, your partner has left the home and is no longer contributing to the mortgage or you have lost your job.
You should also contact us for advice. Depending on your circumstances we may be able to work with you and your lender to help you stay in your home.
It is important you contact us as soon as possible. Do not wait until you have been threatened with court action.
Problems paying a loan secured on a property
If you are unable to pay a loan that is secured on your property, you may be at risk of repossession action which could result in the loss of your home.
It is important that you contact your lender to discuss your circumstances as soon as possible. When people are having financial difficulties and cannot afford to keep up with both their mortgage payments and their loan repayments, they may stop paying one of them. If you find yourself in this situation, you should contact us and your lender for advice.
If your property is at risk of repossession
If your mortgage lender has written to you to tell you that they are considering repossession action, please contact us for advice.
You should always try to discuss your situation with your mortgage lender in the first instance. If you are having difficulty paying your mortgage and your lender is telling you that they are going to take action against you, you need to seek advice at the earliest opportunity.
If your mortgage lender is taking you to court
If you have not already contacted us for advice, please do so as a matter of urgency. We may be able to negotiate with your mortgage lender on your behalf in relation to any action they are taking against you. We can also look at your income to ensure you are receiving any benefits you are entitled to and give you advice about how to prioritise any debts you may have.
If you have received a Court Order
If you have received an order from the Court telling you that you have to leave your property and you have nowhere else to live, you must contact us straight away. Please do not wait until the day the Court Order expires or when you have received a Bailiff's Warrant.
If you have received a Bailiff's Warrant
If you have received a Bailiff's Warrant from the court telling you that you must leave your property, please contact us straight away. Please do not wait until the day the Bailiff's Warrant expires before contacting us.
Government Support for Mortgage Interest
If you receive certain qualifying benefits you may be able to get some help towards the interest payments on your mortgage.
For further details please see:
For general advice about debt and money management, and details of organisations that may be able to help you, please see:
Need assistance with this service?
Get in touch:
Housing: Needs Team
Page last updated: 07 July 2023