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I'm behind with rent or mortgage
Rent and mortgage arrears are priority debts. Acting quickly can help you keep your home.
What to do right now
- 1Contact your landlord or lender as soon as possible. Explain what's happened and offer what you can afford.
- 2Keep paying something, even if it's less than the full amount.
- 3Don't ignore letters about eviction or court hearings — and always go to any court hearing.
- 4Call us on 01872 859 515. If you've been told to leave your home, also call Shelter.
If you rent
- Your landlord must usually give you a valid notice and get a court order before they can evict you.
- Check whether you can get help with rent through Universal Credit or Housing Benefit.
- You may be able to apply to your council for a Discretionary Housing Payment.
If you have a mortgage
- Lenders must treat you fairly and consider options such as a payment holiday, reduced payments or extending the term.
- They should normally only take court action as a last resort.
- You may be able to get Support for Mortgage Interest if you receive certain benefits.
Useful contacts
These organisations are independent of Hand in Hand Foundation. Details can change, so check their websites.
Your next steps
- Gather your tenancy agreement or mortgage statements and any arrears letters.
- Work out a realistic offer based on your budget.
- Speak to an adviser before any court date.
This page is general guidance for England and Wales, not legal advice. Talk to an adviser about your own situation.