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If you're struggling with your overdraft
and mortgage gas and electricity council tax court fines Check if you have any priority debts before dealing with your overdraft. Work out what you can afford to pay Start by making a budget to check
Check how much Universal Credit you'll get
. If you’re paying rent, mortgage or service charge The housing costs element might pay some or all of your rent or service charge. To get the housing element you need to pay the housing costs for where you
Guidelines for using the letter templates
and make arrangements to pay any arrears, before you sort out your non-priority debts. Priority debts are things such as rent, mortgage, council tax, fuel bills or fines. For more information about
Selling a home
property. If so, is it part of a chain of buying and selling and how long is the chain is paying cash or is likely to get a mortgage wants to move at the same time as you If you are using an estate
Getting a job or pay increase while on Universal Credit
find out more about work allowances on GOV.UK. If you get help from Universal Credit towards your mortgage interest payments, you'll lose that money if you start work. You can read more about how your
Paying towards your debts after you go bankrupt
: rent or mortgage food energy, phone and internet bills child maintenance house or car insurance Reasonable living costs are things like: clothes holidays after-school clubs pets The person who
Choosing a debt management plan provider
court action that the DMP may affect your credit rating of the importance of meeting priority payments, for example, mortgage, rent and utilities not to ignore letters and contact from creditors Your
Make your home more energy efficient
cover up problems in your roof like leaks or damaged wood be very difficult to remove before making repairs lower the value of your property make getting a mortgage with some lenders difficult You should
How much pension you'll need
to have the lifestyle you're planning. When planning how much pension you'll need for your retirement, you need to think about: The cost of your home. If you own your home, your mortgage is often one
Discharge from bankruptcy
name date of birth current and previous address National Insurance number court reference number If you’re applying for a mortgage, you’ll need a ‘Certificate of Discharge’. If you originally applied