Mortgage arrears and repossession advice

If you are struggling to pay your mortgage, have mortgage arrears or are concerned that you soon won't be able to keep up with your mortgage payments, the advice below may be able to help you to better understand the process.

When you fall into arrears without notifying your mortgage lender (the people you owe money to), they will issue you a claim. This will be sent to the address of the property for which you pay the mortgage.

Receiving a claim from your lender does not automatically mean your home will be repossessed. There are lots of opportunities for the repossession to be postponed or stopped if you:

  • make mortgage arrears a priority: mortgage arrears are considered a priority debt and should be dealt with immediately
  • act as soon as possible: The earlier you contact your lender about your changing financial situation, the earlier they can help you
  • ask or seek help if you don't understand the process: It is important that you understand the process of the possession procedure
  • don't take out another loan to pay your mortgage: This could potentially make your debt worse in the long-term
  • contact your lenders and seek financial advice as soon as you can

There are steps at each stage in the possession procedure where, if you act quickly and accordingly, you can stop the repossession from taking place.

The mortgage repossession procedure document (PDF, 167KB) explains the possession action procedure. It is a brief outline of the possible outcomes which will depend on your type of mortgage, the size of your mortgage, the size of the arrears, your lender and your financial situation.

If you are concerned about mortgage arrears or an impending possession order, complete the housing support form.

More information on managing mortgage arrears can be found on Citizens Advice Bureau - Mortgage problems and Shelter - Mortgage arrears.