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• Advice for Prisoners
• Going into Prison
  • What happens to my home?
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    • Could I be homeless when I get out?
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    • What help can I get if I’m homeless?
      • What sort of temporary accommodation can I expect?
      • How long before I get permanently housed?
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      • Challenging homelessness decision
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• Hostel accommodation
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• Help in prison and beyond

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General Advice Menu

• Home
• Homelessness
  • What is homelessness?
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    • I've nowhere to stay tonight
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    • What is Supporting People?
    • What type of support is available?
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    • Care leavers and young people
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    • Challenging the decision
  • Help from the Housing Executive
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    • How long will it take?
    • Making an application
    • Tests for homelessness
      • Overview of the tests
      • Homelessness test
      • Priority need test
      • Intentionality test
      • Eligible for assistance test
    • What will the interview be like?
    • What happens next?
      • What other help is available?
      • Challenging the Housing Executive's decision
      • Appealing to the County Court
      • Temporary accommodation
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    • I'm not legally homeless
  • Relationship breakdown
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• Getting a Housing Executive house
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  • Moving home
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• Debt Advice
  • Get debt advice
    • Am I in Debt?
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  • Mortgage arrears
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    • Overview of rent arrears
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    • Dealing with rates arrears
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• Paying for a home
  • Paying rent
    • Overview of rent issues
    • Rent in advance
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    • Withholding rent
  • Deposits
    • About deposits
    • Help with your deposit
    • Making an inventory
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  • Housing benefit
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    • What is eligible rent?
    • Who can claim housing benefit?
    • How to claim housing benefit?
    • How much housing benefit will I get?
    • Single people
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    • Supporting people and housing benefit
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    • Overview of local housing allowance
    • When does local housing allowance apply?
    • Working out my LHA
    • How do I claim?
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  • Buying & selling costs
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  • Other housing costs
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    • Maintaining your home
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• Your neighbourhood
  • Harassment & intimidation
  • Problems with neighbours
    • Boundary disputes
    • Noisy neighbours
    • Dealing with a neighbour dispute
    • Other problems with your neighbours
  • Antisocial behaviour
    • What is antisocial behaviour?
    • Organisations that can help
    • Help from the Housing Executive
    • Mediation
    • Injunctions
    • Antisocial behaviour orders
    • Rehousing
    • Taking a court case
  • Environmental issues
    • Litter and fly-tipping
    • Air pollution
  • Planning and development
    • Planning permission
    • Getting planning permission
    • Building control
  • Crime and security
  • Residents' associations
  • Noise problems
    • Barking dogs
    • Building work
    • Parties
    • Pubs and clubs
    • Help with noise
• Families and Sharing
  • Leaving home
  • Living with your parents
  • Moving in with a partner
  • Splitting up with a partner
    • Things to consider
    • Selling a shared home
    • Splitting up when living in rented accommodation
    • Living as separate households
    • Help with housing costs
    • Taking legal action
    • Moving on
  • Domestic abuse
  • Death in the household
    • Rights after a death
    • Organisations that deal with death
  • Giving away your tenancy
  • Civil partnerships
  • Problems with housemates
  • Living together
    • Moving in together
    • Rights if you live with your partner
    • Your rights if you or your partner own your home
• Intimidation
  • Attacked in your home
  • Harassment by landlords
    • What is harassment?
    • Help available for harassment
    • What happens if I complain?
  • Help when intimidated
    • Applying for a new home
    • Help for homeowners
    • Financial help
    • Staying in your home
    • Repairing your home
  • Domestic violence
  • Violent housemates
  • Hate incidents
• Eviction
  • I'm being evicted
  • Preventing eviction
  • Illegal eviction
  • Housing Executive tenants
    • Reasons for eviction
    • Evicting introductory tenants
    • Evicting secure tenants
  • Eviction of housing association tenants
  • Eviction of private tenants
    • Tenancy eviction
    • Protected tenancy eviction
    • Repossession of landlord's property
  • Eviction of other kinds of tenants
  • Going to court to be evicted
    • Getting letters from the court
    • At the court hearing
    • Court orders for eviction
• Repairs
  • Bad housing
    • Living in unsuitable housing
    • Fitness standards
      • Fitness inspections
      • Is a fitness inspection required?
    • Your home is damaging your health
    • Moving to other accommodation
  • Housing Executive repairs
    • Responsibility for repairs
    • Getting repairs carried out
    • Right to repair scheme
    • Self help scheme
    • Redecoration payments
    • Improvement schemes
    • Unhappy with the repairs
  • Housing association repairs
    • Who has to carry out the repairs?
    • Right to repair scheme
    • Unhappy with the repairs
  • Repairs for private tenants
    • Who is reponsible for repairs?
    • Repairs in protected tenancies
    • Withholding rent for repairs
    • Default repairing obligations
  • Owner occupier repairs
    • Leaseholder repairs
    • Building guarantees
    • Claiming against your insurance
  • Safety
    • Fire safety
    • Gas safety
    • Electrical safety
    • Furniture safety
  • Adapting your home
    • What are adaptations?
    • Who can get adaptations?
    • How much will it cost?
    • Applying for adaptations
  • Grants, loans and practical help
    • Housing grants
    • Energy efficiency
    • Help with adaptations
    • Getting support in your home
    • Boiler Replacement Allowance
  • Redevelopment
    • Redeveloping an area
    • Compensation
    • Will I be rehoused?
  • Dealing with difficult weather conditions
    • Private tenants
    • Housing Executive tenants
    • Housing Association tenants
    • Homeowners
    • Heating your home
• Grants
  • Who can apply?
  • Applying for a grant
    • The grants application procedure
    • Completing your application
    • After you have applied for a grant
    • Completing the work
  • Will I always get a grant?
    • Outline of targeting scheme
    • Geographical targeting
      • Rural Priority Areas
    • Condition based targeting
    • Personal circumstances
    • Prioritisation of grants
  • What grants are available?
    • Replacement grants
    • Renovation grants
    • House in Multiple Occuption Grant
    • Home repairs assistance grant
    • Disabled Facilities Grant
    • Repairs grant
    • Common Parts Grant
  • How much will I get?
    • Limits for each grant
    • Test of resources
    • Landlord payments
  • Group repair scheme
  • Grants complaints
• Rates
  • Overview of rates
    • What are rates?
    • Who has to pay rates?
    • Paying rates on empty homes
  • How are rates calculated?
    • How much will I have to pay?
    • How to pay your rates
  • Rate relief
    • Housing Benefit and Rate Relief
    • Lone Pensioner Allowance
    • Disabled Person's Allowance
    • Students, trainees and care leavers
    • Low Carbon Homes Rate Relief
    • Rates Deferment Scheme
  • Help with paying your rates
  • Appealing the capital value
• Complaints and legal action
  • Problems with the Housing Executive
    • Complaints procedure
    • Challenging a homelessness decision
    • Introductory tenancy appeals
  • Problems with a Housing Association
    • Complaints procedure
    • Introductory tenancy appeals
  • Housing benefit complaints procedure
    • Overview of the complaints process
    • How to complain
    • After your independent appeal
  • Complaining to the Ombudsman
    • Who is the Ombudsman?
    • How to complain to the Ombudsman
    • What happens after I complain?
  • Judicial review
  • Northern Ireland legal system
    • Civil cases
    • Criminal cases
  • Court costs and legal aid
    • Court costs
    • Legal aid
    • Getting legal aid
  • Help with your case
  • Small claims court
    • What is a small claim?
    • Taking a small claims case
    • Going to court
  • The Property Ombudsman
• A-Z Site index
• Email advice

Mortgage Debt Advice Menu

• First things first
  • Don't ignore your problem
  • Start taking action
  • Talk to your lender
• Get to grips with your debts
  • Understand your debts
  • Organise your finances
  • Keep your lender up-to-date
• Plan your way out of arrears
  • Priority vs. non-priority debts
  • Prepare a financial statement
  • Check your entitlement to benefits
  • Check your repayment options
  • Worried about negative equity?
  • The pitfalls of sale and rent back schemes
• Facing court action?
  • Learn what to expect
  • Get ready for court
  • Attend your court hearing
  • Possible defences
  • What the court can decide
  • Allowed to stay in your home
• Possession granted - what now?
  • Enforcement action
  • Finding a new home
  • What happens to the property?
  • Paying off your debts