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Mortgage problems

If you have mortgage arrears and you don’t make an arrangement with your lender to pay them back, your home may be at risk.

Mortgage arrears and your mortgage lender

To avoid repossession, it’s very important that you co-operate with your mortgage lender. This means you must speak to them, give them information they ask for and make any payments you’ve agreed with them.

If you’re not co-operating, your lender can begin action in the court to repossess your home.

But if you are co-operating, your mortgage lender must work with you to find a way to deal with your arrears. If an agreement with your lender fails you could be taken to court.

Getting help with your mortgage

They are several different options to deal with mortgage arrears, including:

  • Changing the type of mortgage
  • Agreeing a break in your mortgage payments
  • Extending the length of the mortgage
  • Equity participation - selling a share of the property back to the lender
  • Moving into a smaller, more affordable property
  • Handing the property back to your mortgage lender to sell

To find the best solution for you, please contact the MABS helpline now on 0761 07 2000. They're open Monday to Friday from 9am to 8pm.

Foundation for Credit Counselling (trading as StepChange Debt Charity) is a company limited by guarantee registered in England and Wales (Company No: 2757055) and a charity registered in Ireland (Registered Charity No: 20104887). Registered office: Wade House, Merrion Centre, Leeds, LS2 8NG, United Kingdom.
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StepChange Debt Charity 2021