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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.

How to sort out your mortgage problems

Information on identifying why you have a problem paying your mortgage and general advice on what you may be able to do to help the situation.

Cutting down your monthly mortgage costs

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

Dealing with your mortgage arrears

Information on the way you can pay back any money you owe on mortgage arrears.

Selling the property or handing back the keys

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

Help with mortgage costs if you are not working

Help with mortgage costs if you're not working 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.

Dealing with your mortgage lender

Information on contacting your lender about clearing your mortgage arrears 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.