Mortgages & Property

What to do if you’ve been threatened with repossession

If you’ve fallen behind with your mortgage and fear losing your home, remember that there is help available. Don’t bury your head in the sand – it’s never too late to seek advice and get back on track.

Contact your lender

If you’ve missed mortgage payments, speak to your lender as soon as possible. The lender will be able to talk about your situation and help you avoid losing your home.

Your lender must follow a set of conditions called a ‘pre-action protocol’ to help you keep your home. If your case goes to court, both you and your lender have to prove to the judge that you have followed these conditions.

Your lender must:

Options your lender might suggest

There are various options your lender must consider and, depending on your individual circumstances, might suggest to help you manage repayments. These may include:

Bear in mind that these options may not always be in your best interests – speak to a free debt advice agency if you are at all unsure.

Read our guide on Mortgage arrears or problems paying your mortgage

Contact your local authority

If your lender intends to take you to court, contact your local council who will put you in touch with local agencies which offer help and advice on how to prevent repossession.

Depending on your situation, they may also put you in touch with local authorities who may be able to buy a stake in your property or buy it outright and let it back to you. If considering this option, speak to a free debt advice service first.

Also check our guide on Government help if you can’t pay your mortgage

Seek debt advice

There are several independent agencies that will provide free, impartial advice if you’re at risk of losing your home, including Citizens Advice, StepChange Debt Charity and Shelter and, in Wales, the Housing Debt Helpline. Follow the first link below for more details.

Where to go to get free debt advice

Help if you’re struggling with debt

Preparing for court dates

If it gets to the stage where you are given a court date, remember that repossession doesn’t happen automatically. It’ still possible to get help and avoid losing your home, if you follow these steps:

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