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When everyone has a home

Housing advice for Northern Ireland

Debt advice

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.

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.

If you don't pay the rent your landlord can evict you. You may be able to keep your home if you act quickly. Get in contact with your landlord and don't just hope that the problem will disappear.

If you fall behind on your rent, the Housing Executive or housing association can take steps to end your tenancy and evict you. Your landlord will need to get a court order before you'll have to leave the property and this will always be a last resort. Your landlord should try to sort the situation out with you before it starts legal action.

Most people have to pay rates on their homes. Land & Property Services is responsible for collecting this money and can take legal action against you if you don't pay. If you're on a low income you may be entitled to housing benefit or rate relief to help you pay the rates on your home.

Having a careful look at your financial situation is a good starting point for dealing with your debts.

If you fall behind on your rent, the Housing Executive or housing association can take steps to end your tenancy and evict you. Your landlord will need to get a court order before you'll have to leave the property and this will always be a last resort. Your landlord should try to sort the situation out with you before it starts legal action.

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.

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.

If your income isn't stretching far enough and you're worried that you might miss a mortgage payment, don’t wait for your lender to contact you. Let your lender know what’s happening.

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