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When everyone has a home

Housing advice for Northern Ireland

Possession order

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.

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.

You must follow due process of law when evicting a tenant. If you aren't careful in following the correct legal procedure you could be found guilty of carrying out an illegal eviction.

If your home is repossessed you will need to find somewhere else to live. If you lost your home because of debt problems it may be more difficult to find a place to rent or buy.

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.

In order to lawfully evict you, your landlord must follow the correct legal procedure. Similarly, you must follow the correct procedure if you wish to leave the property.

When your home is repossessed it is usually sold to pay off your debts. This will also happen if you hand over the keys to your home voluntarily. The money you get may not be enough to cover everything you owe.

Protected tenants have greater rights to stay on in a property than other tenants. You may be entitled to stay in the property for the rest of your life. Responsibility for repairs in protected tenancies may depend on whether you have a tenancy agreement or not.

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