Mortgage debt advice section

Mortgage debt and repossession advice

As the cost of living rises many people face the risk of losing their home due to mortgage or secured loan arrears.

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.

The main steps for tackling your mortgage debt are outlined below and expanded in the advice section of the site. Information and tools on this site can help you deal with your mortgage situation.

Find out what steps you can take to stop repossession of your home. This advice leaflet, published by the Mortgage Debt Advice Service contains tips on how to deal with mortgage debt as well as contact information for the service.

First things first

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

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Get to grips with your debts

Nothing will get resolved if you bury your head in sand. Even the simplest action on your part could mean the difference between keeping your home or ending up homeless. Learn how to get to grips with your debts.

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Plan your way out of arrears

Do you know the difference between your priority debts and your non-priority debts? Do you know exactly how much money you have coming in and going out each month? Have you discussed your options with your lender? If not, start reading - this section will guide you through the process of dealing with your arrears.

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Facing court action? Don't give up!

Even if the repossession process has already started, you may still be able to keep your home. Whether you can stop the process will depend on why the lender is taking action and what you can do to put things right. Get the right advice if your lender starts court proceedings against you.

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Possession granted - what now?

If the court grants possession of your home to your lender, the lender must apply to the Enforcement of Judgments Office to enforce the court's decision. There are a number of stages during this procedure. 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.

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Need advice on how to deal with your arrears? Call our Mortgage Debt Advice Service

Contact our team of specialist Mortgage Debt advisers by calling us on 0300 323 0310. You can call this number between 09.30 and 17.00 Mondays, Wednesdays and Fridays and between 09.30 and 20.00 on Tuesdays and Thursdays.

Calls to our 0300 323 0310 number will be charged at local rates, between 1 and 2 pence per minute. You can also email us at This e-mail address is being protected from spambots. You need JavaScript enabled to view it or chat live to one of our specialist advisers by completing an online advice form.

As a part of this online resource, we have also developed a range of tools to help you deal with your debts.

The letter generator, income and expenditure calculator and converter, as well as our Advice Troubleshooter are available through the image links on the right or, alternatively, through the DIY Advice link on the top menu of every page.

If you experience any difficulties in using this site, please contact Housing Rights Service.

www.housingadviceNI.org is a public advice website developed by Housing Rights Service, the leading housing advice specialist in Northern Ireland and funded by the Northern Ireland Housing Executive