Mortgage Advice

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.

  • Contact us

    You can contact us during office hours (9.00am to 5.00pm) in the following ways:

    • Face to face: See a Housing Options Officer at our drop-in Triage Service based in the Customer Service Centre
    • Email:
    • Telephone: The Duty Line 01962 848 163
    • Telephone: The Customer Service Centre 01962 840 222

    Other Useful Contacts:

    Alternatively, you can contact Citizens Advice on 03444 111 306 or Shelter's free national housing advice helpline on 0808 800 4444.

    Shelter's helpline is open 8am – 8pm on weekdays and 8am – 5pm on weekends, 365 days a year. Calls  to Shelter are free from UK landlines and all major UK mobile operators.