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When everyone has a home

Housing advice for Northern Ireland

Secured loan

Planning your finances and your repayments is the most effective way of dealing with debt. An adviser can help you with this process if you're not sure what you should be doing.

If the Chancery Master grants your lender possession, the lender has to apply to the Enforcement of Judgments Office to enforce the court's decision. Even at this late stage, you may be able to avoid having to leave your home if you can come up with a realistic proposal of repaying the money owed.

If you’re struggling to meet your mortgage payments, you may also be tempted to consider selling your home and renting it back through a mortgage rescue scheme.

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

If you get certain benefits, you might be able to get help to pay the interest on your mortgage. This help will be a loan and you'll have to repay the money if you sell your home. You'll normally have to wait almost 10 months from the date you start getting other benefits until you'll get help towards your mortgage.

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