Worried About Repossession?

Get advice now

If you're struggling to pay your mortgage you need to act quickly.

If you are contacted by your mortgage lender about missed payments or you don't understand a letter you must contact your lender and try and sort out the problem. You can also contact the Housing Advice Team here at the Council. We can go through your housing options with you so that you can find the best way out of the problem for you and your family.

Where You Can Get More Information

Alternatively you could also contact your local Citizens Advice Bureau or your local Shelter advice service.
It is important that you get independent advice before making any hasty decisions such as just giving up your home and handing the keys to the lender or selling your home to an organisation who promises to rent it back to you and allow you to remain in your home. The companies that offer buy-and-rent-back schemes are not regulated and the standard of service offered can differ widely. Most offer no security in terms of how long you can stay in your home or the rent they will charge you.

Mortgage lenders should only take possession of your home as a last resort, they are required to go through all the alternative options. For example they could lengthen the period of your mortgage to make the monthly payments smaller, change your mortgage to interest only for a short period or allow you time to sell your home, if this is what you want.

Alternatively you could qualify for Homeowners Mortgage Support, click here for more information about Homeowners Mortgage Support.

If you are experiencing difficulties paying your mortgage please contact the Housing Advice Team for advice.

Other sources of help and support

Other useful advice, links and downloads are available in our related links below.