Mortgage advice - help for homeowners

If you are having difficulty keeping up with mortgage payments you should seek advice as early as possible. There are various options available and agencies who may be able to help you.

It is important not to ignore letters from your mortgage lender. You should speak to your lender as soon as possible to the discuss ways they can help you to avoid court action and keep your home.

You should contact the Housing Needs team if you are worried about falling into arrears. An adviser from the Housing Needs team can discuss your case with you and help you identify the options available.

Our Housing Needs team can refer you to local advice agencies that can offer face-to-face advice.

The links below provide information on the options available to homeowners in difficulties with their mortgage:

If you have other debts which are making it hard for you to afford your mortgage payments the organisations below may be able to help you, for example; with budgeting advice or by negotiating an affordable payment plan with your creditors.

Money Advice Service: 0300 500 5000

National Debtline: 0808 808 4000

StepChange Debt Charity: 0800 138 1111

Debt Advice Foundation: 0800 043 4050

Last reviewed: 01 - 12 - 2017

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