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When everyone has a home

Housing advice for Northern Ireland

Debt advice

People who can help you with debts

When you’re in debt it’s not always easy to recognise that you have a problem and need to get help. Learning how to budget effectively is a good first step. The good news is that there are lots of charities and government funded agencies that can help you with this, so you should never have to pay for debt advice.

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Housing benefit for younger people

The government restricts the amount of benefits it will give to private renters who are under 35. Your housing benefits will only cover the cost of renting a room in a shared property, unless

  • you have a partner living with you, or
  • your household includes children, or
  • you meet one of the exceptions to this rule.  
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Making savings by cutting back on small items

You'll be suprised how much you can save by cutting out some of the small things you might regularly buy. Use this Quick Cash Finder from the Money Advice Service to work out how much you could save each month if you stopped buying a newspaper, cup of coffee or chocolate bar every day.

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Budgeting skills

There are a few key steps you need to take to deal with your debts effectively. A charity that provides debt advice can often help you with this.

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Don't ignore the problem

Do not wait for your lender to contact you if you are having money problems. Let your lender know if you have missed a mortgage payment of if you think this might happen soon.

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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

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Practical steps to deal with debt

There are practical things that you can if you're having difficulties paying your mortgage. The most important of these is to get advice so you fully understand your options.

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Working out your loan repayments

Use the Loan Calculator from the Money Advice Service to work out how long it will take you to pay off your loan, based on your current monthly payments. If the loan is secured on your home, you could end up losing the property if you fall behind on your repayments. If you're having money problems, it's best to get some free, independent advice from a charity before you take on any further debt.

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Getting the most out of your income

When you're in debt, you need to make sure you're making the best possible use of any money coming into your home. Check to see if you're entitled to any benefits or tax credits. You could ask for extra hours at work or rent out a room in your home to increase the amount of money your household has.

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Understand your mortgage and other loans

If a loan has been secured on your home the lender can try to repossess the property if you don't pay the loan back.

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