We aim to make our website as accessible as possible. However if you use a screen reader and require debt advice you may find it easier to phone us instead. Our phone number is 0 8 0 0 1 3 8 1 1 1 1. Calls are free from all major mobile networks.
StepChange Debt Charity logo

Free advice on problem debt
based on what's best for you

0800 138 1111Freephone, including all major mobile networks*

Housing

Whether you’re paying a mortgage or renting, it can be worrying not knowing if you’ll be able to stay in your home if you're struggling with housing costs.

This section will provide you with practical advice on how to avoid house repossession as well as what to expect if you fall into rent arrears or have difficulty paying your mortgage.

We understand that staying in your home is the absolute priority. So if you’re struggling with these costs the most important thing to do is talk to us. We’ll put a realistic budget together for you, advise you on how to deal with your mortgage lender or landlord and avoid eviction.

If you're facing eviction or repossession please call our Helpline on 0800 138 1111 (freephone, including all major mobile networks*), or use our online Debt Remedy advice tool, as soon as possible. You’ll get expert advice on what steps you need to take to stay in your home.

Helping you become debt free...

"I wish to thank your staff for all the great help they gave me when I was in so much debt.
They were a pillar of support to me." (Leslie, Essex)

Foundation for Credit Counselling (trading as StepChange Debt Charity) is a company limited by guarantee registered in England and Wales (Company No: 2757055 ) and a charity registered in England and Wales (Registered Charity No: 1016630). Registered office: Wade House, Merrion Centre, Leeds, LS2 8NG. Consumer Credit Counselling Service (Scotland) trading as StepChange Debt Charity Scotland is a company limited by guarantee registered in Scotland (Company No: SC162719) and a charity registered in Scotland (Registered Charity No:SC024413). Registered office: 33 Bothwell Street, Glasgow G2 6NL. Authorised and regulated by the Financial Conduct Authority.

* Major mobile networks include Orange/EE, O2, Vodafone, T-Mobile, Three, Tesco Mobile and Virgin Mobile. Call charges from other networks may vary.