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When everyone has a home

Housing advice for Northern Ireland

Plan your way out of arrears

There are different options available to help you find your way out of arrears.  It's hard to know which is the best option for you until you've spoken to an adviser.  If you're not sure how to plan your way out of arrears, get in touch with advisers at Housing Rights.

Budgeting and financial management

Get advice if you are having money problems. It can be hard to ask for help, but there are lots of organisations who will help. They won't judge you or make you feel bad. They are there to help you deal with your debt.

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Repaying your debt

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.

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Negative equity in Northern Ireland

You're in negative equity if you owe more on your mortgage or secured loan than your home is currently worth. Selling your home won't clear your debts.

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Problems of sale and rent back

If you’re struggling to meet your mortgage payments, you may also be tempted to consider selling your home and renting it back through a mortgage rescue scheme.

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