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Mortgage problems

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

On these pages you can find out how to avoid falling behind with your mortgage payments, how to clear your debt if you do fall behind, what happens if you're taken to court because of mortgage debts and how to avoid losing your home.

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.

Managing your mortgage

Advice on how to manage paying a mortgage, in order to avoid getting into difficulties. Covers budgeting, finding the best mortgage deal and how to cope with reduced income or an increase in payment rates.

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.

If your lender is trying to repossess your home

Information on what a lender must do before seeking possession, about going to court, what can happen in court, the decisions that can be made and who pays the costs.

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.

Repossession by your landlord’s mortgage lender

Rights of tenants facing eviction because their private landlord falls behind with their mortgage payments and is facing repossession.