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When everyone has a home

Housing advice for Northern Ireland

Debt advice

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.

Debt advice can improve your health and wellbeing as well as your finances. 

You can get free debt advice from lots of charities in Northern Ireland. Every year, these charities help thousands of people take back control of their money.

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.

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

You can be evicted if you owe a lot of rent. Your landlord has to take you to court to evict you. They should only take you to court if all other ways of getting you to pay what you owe fail. Contact our helpline if you are finding it hard to pay your rent. 

 

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.

You could lose your home if you don’t pay your rent. Your landlord, whether it’s the Housing Executive or a housing association will have to follow the proper procedure before this happens. Part of this procedure is to work with you to try to sort out the problem.

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.

The Housing Executive or housing association can use different methods to get the money that you owe. If you're worried about the rent you owe, get help from a charity that provides money and debt advice.

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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