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.
Find out about things you can do to avoid getting into debt with your mortgage payments, including: switching to a cheaper mortagage deal, reducing your monthly mortgage payments, changing the payments on your endowment policy and reducing payments on a shared-ownership property
Find out about some of the ways you might be able to pay back the money you owe if you've fallen behind with your mortgage payments
Find out about the government-backed Homeowner's Mortgage Support scheme which allows you to put off paying some of your monthly mortgage payments for up to two years
Find out about the different schemes which offer to buy your property and rent it back to you as a tenant, including private schemes and schemes run by social landlords
Find out about help you may be able to get towards your mortgage costs if you're out of work
Find out why you shouldn't just hand back the keys to your mortgage lender or wait to get evicted, and what happens if you don't get enough from the sale of the property to cover what you owe on the mortgage
How to contact your lender and tell them what you'd like to do about clearing your mortgage debt or changing your payments, including what to do if your mortgage lender doesn't want to help
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