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When everyone has a home

Housing advice for Northern Ireland

Mortgage debt

Different things can happen if you have to go to court for a possession hearing. The judge can make an order, schedule another hearing, or dismiss the case.

Housing Rights has a special team of advisers who help people who've fallen behind with their mortgage and who are worried about repossession.

Your landlord may have a mortgage or secured loan on the property you are living in. If the landlord falls into arrears on these loans, your home could be at risk. You may have limited rights to stay in the property on a short term basis, but it is unlikely you will be able to stay there long term.

The Money Advice Service's Quick Cash Finder can help you find small things you can cut back on to increase your savings. 

Do not wait for your lender to contact you if you are having money problems. Let your lender know if you have missed a mortgage payment of if you think this might happen soon.

Use these letter templates to negotiate with a lender, landlord or other creditor about debt problems

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.

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.

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