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When everyone has a home

Housing advice for Northern Ireland

Help with mortgage

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.

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 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.

You will normally only be able to stop the repossession if you can pay the arrears off in a lump sum or in acceptable instalments. However, there are a few legal defences that could help your case.

You can be allowed to stay in your home after a repossession hearing. This may be because there wasn't a good enough reason to repossess the home or because the Master believed you should be allowed to stay to give you time to put the situation right.

The help you get to pay your mortgage interest has changed.  The Support for Mortgage Interest (SMI) benefit came to an end on 5 April 2018, and has been replaced with the offer of a loan. 

If you receive certain income-related benefits, you may be entitled to some help with the interest payments on loans secured on your home. Normally, you will have to serve a 39 week waiting period before you will start to receive this financial help and not all loans will qualify for this financial assistance. This financial assistance is called Support for Mortgage Interest. From 6 April 2018 any payments made to help homeowners with the interest charges on loans or mortgages will be in the form of an interest-bearing loan and may have to be repaid. 

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