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If you fall behind with mortgage or rent arrears it’s important to act quickly. Not repaying arrears to your landlord or mortgage lender can have serious consequences and could lead to you being evicted from your home, or having it repossessed.
Maybe it is a strain to keep on top of monthly spending. Or you don't know what to do when your fixed rate mortgage ends.
Together, we can look at your situation and unlock your options.
Read our homeowner guides.
You should always keep your landlord informed about any rent arrears, or lenders about any mortgage arrears, so they can discuss your options with you. They may be able to help you repay the arrears by spreading them out over a period of time on top of your current payments.
We can also help you work out how much extra you can afford to pay towards any arrears by putting together an accurate budget. Use our debt advice tool to get expert advice and a personalised budget that includes advice and solutions on dealing with rent or mortgage arrears.
In this section we’ll look at how to deal with rent or mortgage arrears, what to do if you’re struggling to pay your arrears, and how to deal with eviction and repossession.