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When everyone has a home

Housing advice for Northern Ireland

Going to court

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.

You can be asked to appear at court if you fall behind on your mortgage. Getting a summons to appear in court 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.

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.

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.

Your landlord can only end your tenancy by following the correct process. Secure Housing Executive and housing association tenants can only be evicted if a court believes that they have broken the tenancy agreements. It's easier for a landlord to evict an introductory tenant, but the landlord still has to get a court order. Think carefully and get advice before you take any action to end your tenancy. It can be difficult to get a new social tenancy if you've given one up.

If you haven’t been a Housing Executive (NIHE) or housing association tenant for the last year, you’ll probably be an introductory tenant. After 12 months you’ll become a secure tenant and it will be more difficult to evict you.

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.

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.

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