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When everyone has a home

Housing advice for Northern Ireland

Mortgage Debt Advice

CORONAVIRUS UPDATE

Mortgage debt advice
Call 028 9024 5640 for free advice

Housing Rights offers a free independent mortgage debt advice service to people in Northern Ireland who are worried about losing their home

It's essential that you get help and advice if you're struggling to pay your mortgage. The sooner you start dealing with your mortgage debts, the more options you'll usually have. If you ignore the problem it becomes harder to manage and you could end up losing your home.

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 may be able to represent you at your court hearing.

Housing Rights has a special team of advisers who help people who've fallen behind with their mortgage and who are worried about repossession.

The help you get to pay your mortgage interest is a loan. You will usually only get this help if you have been receiving other benefits for a certain period of time. You don't make regular payments towards the loan. Instead, you may have to pay the full amount back if you sell the property.

If you get certain benefits, you might be able to get help to pay the interest on your mortgage. This help will be a loan and you'll have to repay the money if you sell your home. You'll normally have to wait almost 10 months from the date you start getting other benefits until you'll get help towards your mortgage.

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