Help With My Mortgage
If you’re struggling with your mortgage repayments there is help available
If you’re struggling with your mortgage repayments and can’t get back on track—or are worried about losing your home—the temptation may be to ignore the problem. Don’t. There is help available.
Contact your mortgage lender as soon as possible and be frank about your situation. Your mortgage lender will be keen to help and will talk through your options. They must make reasonable attempts to reach an agreement with you, including considering whether to change the way you make payments and when you make them.
As well as speaking to your lender, take advice from one of the many free debt advice charities and organisations. A trained money adviser from an independent agency, like Citizens Advice www.citizensadvice.org.uk or Shelter www.shelter.org.uk can give you free and impartial advice.
If you are worried that you are going to become homeless, then speak to our Housing Options and Advice Team.
More help with money and legal advice
| Organisation || How they can help|
|Citizens Advice Bureau
Money management / debt advice. Face to face, online and telephone.
Phone: 08444 111444 or 08444 994105
Debt counselling and budgeting support via home visits. Open: Monday to Friday, 9am to 5pm
Phone: 01202 429037
|Housing benefit support
||Help to manage benefits.
|Money Advice Service
Free and impartial money advice set up by the government. Open Monday to Friday 8am to 8pm, Saturday, 9am to 1pm.
Phone: 0800 138 7777
Debt advice /support provided on the phone or online. Open Monday to Friday 9am to 8pm, Saturday 9.30am to 1pm.
Phone: 0808 808 4000
Debt advice and solutions. Support provided on the phone or online. Open Monday to Friday 8am to 9pm, Saturday 9am to 3pm.
Phone: 0800 280 2813
or (from a mobile) 0207 7608980
Face to face debt advice. Open Thursday 2pm to 4pm
Phone: 01202 830024
Money management and debt advice via face to face appointments. Open Monday to Friday 9am to 5pm.
Phone: 0808 800 4444
|Step Change Debt Charity
Debt advice and solutions. Support provided on the phone or on line. Open Monday to Friday 8am to 8pm, Saturday 9am to 3pm.
Phone: 0800 138 111
|Legal Advice Finder
||Find a legal advisor or solicitor in your area.