- In England

Mortgage problems

This information applies to England and Wales

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, we tell you how to stop from falling behind with your mortgage payments, how to clear your debt if you do fall behind with your payments, what happens if you are taken to court because of mortgage debts and how you can avoid losing your home.

Managing your mortgage

This page tells you how to stay in control of your payments and not run into trouble. It includes, how to plan your budget so you can manage your mortgage, how to deal with increases in your mortgage payments or a drop in your income, how to get the best mortgage deal available and what to do if you start getting into difficulties.

How to sort out your mortgage problems

This page tells you about some of the options you may have for sorting out your mortgage problems and how to deal with your lender. It includes information about how to cut down your mortgage costs, how to make up your repayments if you get into debt, the government-backed Homeowner's Mortgage Support scheme, mortgage rescue and sale and rent back schemes, help with your mortgage if you're out of work and selling your property to clear mortgage debts.

What happens when your mortgage lender takes you to court

This page tells you about what happens when a mortgage lender starts court action, how you can avoid the case going to court, what a mortgage lender must do before they start court action, what decisions the court can make and what these will mean for you, how you can defend a claim for mortgage debts and how to change a court ruling after it has been made.

Your mortgage lender takes you to court – how to prepare for the court hearing

This page tells you how to prepare for a court hearing with your mortgage lender. It tells you what you should do before the hearing, what information you may need to take with you, who you can take with you, what you should do when you get to court, what happens when the case is called and what the hearing will be like.

Eviction for mortgage arrears

This page tells you what must happen before your mortgage lender can evict you, how you could avoid eviction and keep your home, what happens during an eviction and what the bailiffs are allowed to do, whether you should just hand back your keys to your mortgage lender before you're evicted and what responsibilities you will still have after you're evicted for mortgage debts.

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