Lots of people get back on their feet after falling into arrears and manage to keep their home. Falling behind on your mortgage doesn't mean you'll have to hand back your keys or that you'll have to pay everything you owe in a lump sum. Your lender should offer you a range of options to help you get back on track.
You may be entitled to compensation if you have to leave your home because the area its based in is scheduled to be redeveloped. Homeowners will be paid the current market value for their home and you might also be entitled to compensation for the disturbance. The Housing Executive should rehouse you if you can no longer live in your home because it is in a redevelopment area.
You may be eligible for a grant if you own a property that has been flooded or is in a known flood risk area. This grant will allow homeowners to install physical barriers and equipment to help reduce the impact of flooding on their homes. Councils also provide emergency financial assistance to help with the cost of cleaning up after a flood.