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House repossession. What to do to avoid losing your home.

House repossession is a legal process where a mortgage lender or secured loan provider takes ownership of a property.

household bills iconWorried about money and your mortgage?

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.

Lenders only start court action to repossess your house as a last resort. If your lender contacts you about your mortgage arrears or secured loan arrears don’t ignore them.

The best thing you can do is talk to your lender. Let them know about your situation and the steps you’re taking to get your payments up to date.

They are more likely to help you if they know you're getting help. Contact us and we’ll help you put together a tailored household budget and advise you on the best way to deal with your mortgage payments.

If your lender can’t contact you they're more likely to go to court.

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Possession hearings

A possession hearing takes place so that a judge can decide whether you can afford to keep your property. It doesn’t automatically mean that you'll lose your house.

Even if you've been given an eviction date, it's not too late to solve your problems.

House repossession advice

If you’ve received court paperwork or you've got a court date coming up soon, contact us.

Our expert advisors can give you specialised advice on the repossession process. We may also be able to help you come to an arrangement with your lender before the case goes to court.

"Get in touch with StepChange, you'll wish you'd done it sooner" Rob, Wiltshire