If you have mortgage arrears it means you’re behind with your payments. Missed mortgage payments are recorded on your credit file and if you don’t pay what you owe, you’re at risk of your house being repossessed.
Find out how we can help you get the help you need if you’re worried about falling behind with your monthly payments.
Can't pay your mortgage due to coronavirus? We're here to help
Many people have been left struggling to pay their mortgage after the impacts of coronavirus caused their circumstances to change. If you’re worried about paying your mortgage, help is available.
Creditors are helping to support their customers who are struggling to make their mortgage payments due to coronavirus. However, it’s important to be aware that the options available to you depend on whether your account was up to date before the crisis began.
Before coronavirus my mortgage payments were up to date
All creditors are offering three-month payment holidays for customers affected by coronavirus, if they were up to date with their payments beforehand.
I had mortgage arrears before coronavirus
The mortgage support available from creditors varies for customers who were already in arrears. If you were already behind with your mortgage payments before the effects of coronavirus, you should contact your creditor as soon as possible to discuss your options.