Mortgage advice - help for homeowners

If you are having difficulty keeping up with mortgage payments you should seek advice as early as possible. There are various options available and agencies who may be able to help you.

It is important not to ignore letters from your mortgage lender. You should speak to your lender as soon as possible to the discuss ways they can help you to avoid court action and keep your home.

The following links provide information on the options available to homeowners having difficulties with their mortgage:

If you have other debts which are making it hard for you to afford your mortgage payments the organisations below may be able to help you, for example; with budgeting advice, or by negotiating an affordable payment plan with your creditors.

Money Advice Service: 0300 500 5000

National Debtline: 0808 808 4000

StepChange Debt Charity: 0800 138 1111

Debt Advice Foundation: 0800 043 4050

If you are still unsure about approaching an advice service, and are worried about falling into mortgage arrears, you can speak to an adviser from our Housing Needs team on 01235 422 452 or via housing@southandvale.gov.uk.  They will be able to help you identify the options available and refer you to local advice agencies that offer face-to-face advice.

Last reviewed: 15 - 02 - 2018

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