If you are thinking of selling or giving up your home, you must speak to the lender. You should also speak to the Housing Options Service before you do this, as it may affect any decision we make if you need to apply as homeless.
If you own your home and you are having difficulty paying your mortgage, you must contact your lender and discuss the situation. If you cannot pay the full monthly amount for your mortgage, then you should pay what you can. Work out your income and outgoings with other debts you may have, and see how much money (if any) is left to pay your arrears. Remember, your mortgage is the priority debt. You should check that you are claiming any benefits you are entitled to, including Income Support, towards your mortgage costs.
The Housing Options Service can give you advice on preventing your homelessness if you tell us early enough. We can negotiate with your lender, give you assistance if you have to go to court and help you find other accommodation if you do have to leave your home.
- The National Homelessness Advice Service; Mortgage Advice provides further information regarding court hearing, debt advice, assisted sales and support for mortgage interest.