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Homeowners guides

Owning your own home could change how you deal with debt or money worries. We are here to help. If you fall behind with payments this can impact your credit file and make it harder to get a mortgage deal you can afford.

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England, Wales, Scotland and Northern Ireland

When you are a homeowner and struggling to keep up with payments on your debts, you need to be aware of how your home and mortgage could be impacted.

There are a number of debt solutions that may be able to help you. These could include releasing equity or remortgaging.

I am worried I could lose my home because of my debt. What do I do?

This is a risk if things get out of control, but repossession, which is when the lender takes your home from you, is a last resort. You have the chance to get your finances back on track.

What should I do right now?

  1. Get in touch with your lender as soon as you can
  2. Find out how to deal with your priority bills
  3. Get debt help – we can help you find a way forward and are here for you as long as you need us

Don’t wait and let things get worse.

Our free debt advice and support service

We have been helping people across the UK for more than 30 years with our free debt advice service, guides and support.

More than 7.5 million people have changed their lives for the better with our help – and you can do the same.

We know your home is important to you. Our advice is always tailored to your situation and your needs.

How it works

  1. We find out about you and your finances, including anything that is making it harder for you to manage your money
  2. We let you know about ways to deal with the people you owe and other ways to get peace of mind. This could include repayment plans, releasing equity or other options
  3. We support you as you get your finances back on track

Not sure what help you need right now? Take a couple of minutes to answer some quick questions.

What do I do about my fixed rate mortgage term ending?

It is important to act as early as possible before your mortgage deal ends. Speak to your lender and see what they can offer you.

It is likely you will be moved onto a ‘standard variable rate’ mortgage (SVR) and this may not work for you.

Find out what you should do now about your fixed rate mortgage ending.

Can I get a mortgage with bad credit?

It can be more difficult to get a mortgage deal you can afford if your credit history shows:

  • Missed or late payments
  • Court action, including CCJs
  • Bankruptcy
  • Other markers that tell lenders you have had problems with managing money

Lenders are likely to make you come up with a larger deposit and there may well be higher interest rates. It is very important you check you can afford everything that is covered in the mortgage offer.

Find out more about mortgages and bad credit

Can I remortgage or release equity to deal with debt?

When you come to us for debt advice we will let you know if this could be an option for you and let you know how to get started.

Before going ahead with any solution or financial product you need to be clear about the risks and benefits.

Equity release

If you are over 55, you may be able to release equity from your home. You can release the equity in a lump sum, then use it to clear other debts.

Read our equity release guide

Mortgages and remortgaging

You may be able to get a mortgage deal with a lower monthly payment. This could free up money to repay your other debts. With retirement and residential mortgages your home may be repossessed if you do not keep up repayments on your mortgage.

Read our mortgage and remortgaging guide


Debt happens. We deal with it.

We have helped millions of people since 1993.

Find out how.