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When everyone has a home

Housing advice for Northern Ireland

Repossession

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.

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.

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.

Your landlord must be very careful when trying to evict your from a protected tenancy. Unless the landlord can prove that certain criteria apply to your tenancy, any eviction could be illegal.

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.

You should only give back the keys to your property if you're absolutely sure that there's no way you can keep your home. Make sure you speak to an adviser at our Mortgage Debt Advice Service before you take this drastic step.

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.

Housing associations and the Housing Executive can end a tenancy without going to court if they suspect that a property has been abandoned, but the correct procedure has to be followed. If you're worried about eviction you should speak to someone urgently. Advisers at Housing Rights may be able to help you stay in your home.

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