Many homeowners have difficulty paying their mortgages, often when they lose a job, split up with a partner or have unexpected expenses.
If you're struggling to pay, you need to act quickly, even if the problem is only temporary. Mortgage arrears don't automatically lead to repossession but must be taken very seriously.This section outlines some of the options you may have. You can also download one of our leaflets:
- Are you worried about your mortgage? (produced by the National Homelessness Advice Service (NHAS), a partnership between Shelter and Citizens Advice)
- Mortgage problems: Separating the myths from reality' (a joint Shelter/Bradford and Bingley publication)
- or the more detailed Shelter housing advice booklet about mortage arrears.
If you rent your home and your landlord has mortgage arrears, you have far less protection and you should get advice immediately.
