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When everyone has a home

Housing advice for Northern Ireland

Debt advice

Use the Savings Calculator from the Money Advice Service to help you plan your service. The calculator can help you figure out how long it will take you to reach your savings goal or how much you'll save over time if you set aside a fixed amount of money every month.

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.

Get advice as soon as possible if you can't pay. The Land & Property Services have a strict procedure for recovering rates arrears. There are strict time limits. If you contact your local Land & Property Services office, you may be able to negotiate a payment plan.

Make a list of all your debts. Check the bills or reminders that have been coming through the post and go through your bank statements to see what direct debits are being taken out of your account. Sort these into priority debts and non-priority. If you don’t pay priority debts you could lose your home or lose essential services.

If you are a homeowner, you can only be evicted if the court makes an order telling you to leave. This section explains what happens once your lender has applied to the court to evict you.

If you are a homeowner, you can only be evicted if the court makes an order telling you to leave. This section explains what happens once your lender has applied to the court to evict you.

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.

Your best shot at saving your home is to get advice and go to your hearing. There will often be a solicitor from Housing Rights at court on the day of your hearing who can represent you in front of the Master.

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.

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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