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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.

What to do if you can’t pay your mortgage

General advice on what you might be able to do to if you can't pay your mortgage.

Schemes that can help if you can’t pay your mortgage

Information on schemes which help homeowners who are struggling to pay their mortgage, including government-backed and private schemes and schemes run by local councils and housing associations.

Sale and rent back schemes run by private firms

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

Selling your home to pay your 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.