If you're finding it difficult to repay your mortgage – or think you might soon – we're here to help you get back on track. The important thing is to make us aware as soon as you can.
Tip:
Before you get in touch, gather up to date information about your income, your spending and any other debts you may have. This will make it easier to discuss your options and explore solutions.
Here are some debt advice organisations who offer free support.
StepChange (opens in a new window) – helping over 630,000 people a year to deal with money worries and take back control of their lives.
PayPlan (opens in a new window) – free debt advice provider, offering help and support in a way that works for you.
Money Helper (opens in a new window) – free, unbiased money advice online, over the phone and face-to face.
Citizens Advice (opens in a new window) – advice on issues such as debt management, welfare benefits, housing, employment and consumer complaints.
National Debtline (opens in a new window) – free, confidential and independent advice on dealing with debt problems.
Business Debtline (opens in a new window) – free debt advice to small businesses and self-employed people.
If you're finding it hard to keep up with your mortgage, you might come across offers that promise to wipe out your debt or stop repossession. They will use misleading legal arguments. Such as claims linked to 'Freeman of the Land' ideas or obscure contract law.
These offers aren't genuine. They're often unregulated individuals or firms without proper legal training. Following their advice could put your property and finances at serious risk.
Avoid offers that:
These approaches do not work and have been rejected by UK courts. Acting on them could put you at risk of:
If something sounds too good to be true, it probably is. Get the right support by:
