Struggling to pay your mortgage

The following information is for people struggling to pay their mortgage.

National Debtline have created a comprehensive factsheet.

NHAS have created a comprehensive guide.

These guides will help you by taking you though:

  • Budgeting
  • Reducing The Ongoing Payment
  • Support For Mortgage Interest
  • Your Lender’s Responsibilities
  • If You Can’t Afford The Payments
  • Sale And Rent Back
  • If The Lender Takes You To Court
  • Pre-Action Protocol
  • Going To Court
  • Dealing With A Shortfall

Support for Mortgage Interest

You may be able to get a loan from the Department for Work and Pensions if you are entitled to certain benefits. The loan will help with interest payments, but it won’t reduce the capital you owe.

To qualify you have to be entitled to one of the following: Universal Credit, Pension Credit, Income based Jobseekers Allowance, Income related Employment Support Allowance or Income Support.