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How to sort out your mortgage problems

If you're having problems paying your mortgage, you must take action quickly to stop yourself from falling into debt.

If you get into debt and your lender thinks you’re not dealing with the problem, they will take action through the courts. This could lead to you losing your home.

On the following pages you can find out about some of the options you may have for sorting out your mortgage problems and how to deal with your lender.

Cutting down your mortgage costs

Information for homeowners on how to reduce the costs of a mortgage to stop them from falling behind with mortgage payments.

How to deal with mortgage debts

Information for homeowners with mortgage debt on the ways that they can pay back the money they owe on any mortgage arrears.

Sale and rent back schemes

Information on sale and rent back schemes run by private firms which help homeowners who are struggling to pay their mortgage.

Problems with selling your home - delayed completion and lease options contracts

Information about 'exchange with delayed completion' and 'lease options' contracts, covering what they are, the risks involved and other options that may be available to people trying to sell their home.

Help with mortgage costs if you're out of work

Help with mortgage costs if you're out of work including which benefits you must be getting to get help with your mortgage costs, how much of your mortgage costs can be paid and whether you can get your mortgage costs paid straight away.

Selling your property to clear mortgage debts

Information about selling your property to clear your mortgage debt including handing back the keys and making up a shortfall following the sale.

Dealing with your mortgage lender

Information on contacting your lender about clearing your mortgage debt or changing your payments including who to contact, what to say to them and what to do if your mortgage lender doesn't want to help.