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When everyone has a home

Housing advice for Northern Ireland

Problems paying your mortgage

Get help if you're having problems paying your mortgage. Our friendly, free and confidential advice service can explain your options. While it's never too late to get advice, the sooner you contact us, the more we can usually do to help. Call our helpline on 028 9024 5640

First things first

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

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Get to grips with your debts

You need to understand your debts in order to deal with them properly. You need to prioritise your debts, figure out what you owe and to whom and work out how much you can afford to pay towards these debts. This means you'll need a good understanding of your financial situation and setting yourself a household budget.

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Plan your way out of arrears

Planning your finances and your repayments is the most effective way of dealing with debt. An adviser can help you with this process if you're not sure what you should be doing.

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Going to court for mortgage arrears

You can be asked to go to court if you miss payments on your mortgage. Getting a court summons 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.

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Possession order granted against your home

If the Chancery Master grants your lender possession, the lender has to apply to the Enforcement of Judgments Office to enforce the court's decision. 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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Getting help with mortgage debt

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

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Help to pay your mortgage or secured loan

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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