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Housing advice for Northern Ireland

Problems paying your mortgage

If you are finding it difficult to afford your monthly payments, or your lender has started court proceedings to take possession of your home, you have no time to lose – the sooner you do something about your finances, the more options you may have for saving your home from repossession.

Getting into difficulties with your mortgage payments is often easier than you think, so the sooner you tackle your financial problems, the better the result may be for you.

You need to understand your debts in order to deal with them properly. You need to prioritise your debts, figure out what you owe and to whom and work out how much you can afford to pay towards these debts. This means you'll need a good understanding of your financial situation and setting yourself a household budget.

Planning your finances and your repayments is the most effective way of dealing with debt. An adviser can help you with this process if you're not sure what you should be doing.

You can be asked to appear at court if you fall behind on your mortgage. Getting a summons to appear in court doesn't mean that you'll lose your home. There are a number of decisions that the judge at court can make. Our advisers at Housing Rights Service may be able to represent you at your court hearing.

If the Chancery Master grants your lender possession, the lender has to apply to the Enforcement of Judgments Office to enforce the court's decision. Even at this late stage, you may be able to avoid having to leave your home if you can come up with a realistic proposal of repaying the money owed.

Housing Rights Service has a special team of advisers who help people who've fallen behind with their mortgage.

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