Falling behind on your mortgage can be a worrying and stressful experience. If you’re in mortgage arrears, you’re not alone — and more importantly, help is available.
Across the UK, thousands of homeowners face financial difficulties due to rising living costs, interest rate increases, or unexpected life events. Whether you’ve missed one payment or more, taking early action can make a big difference.
What Are Mortgage Arrears?
Mortgage arrears occur when you miss one or more monthly mortgage payments. The amount you owe builds up over time, and your lender may begin formal steps if the arrears aren’t resolved.
Even one missed payment is taken seriously, so it’s best to speak to your lender straight away if you’re struggling.
Step-by-Step Guide to Getting Help For Mortgage Arrears
1. Speak to Your Lender Early
This might feel daunting, but lenders are required to treat you fairly. Most have dedicated support teams trained to deal with financial difficulties. Contact them as soon as possible to explain your situation. They may be able to:
- Offer a payment holiday
- Switch you to interest-only temporarily
- Extend your mortgage term to lower monthly costs
- Accept a reduced payment for a short period
These options depend on your individual case, but open communication is the first step.
2. Check for Support Schemes and Benefits
You may be entitled to help through:
- Support for Mortgage Interest (SMI) – a government loan that covers part of the interest on your mortgage if you receive certain benefits.
- Universal Credit or Jobseeker’s Allowance – if your income has dropped.
- Council tax reductions – to ease other household costs.
Use an independent benefits calculator online or speak with a local advice centre to check what you can claim.
3. Get Free Debt Advice
There are several UK-based charities and organisations that offer free, confidential debt advice, including:
They can help you work out a realistic budget, speak to lenders on your behalf, and explore options like Debt Management Plans (DMPs) if needed.
4. Prioritise Your Mortgage Payments
If you’re juggling different debts, always put your mortgage first. Losing your home is a serious risk if arrears build up, so other non-priority debts may need to take a back seat.
A qualified debt adviser can help you structure your payments wisely.
What Happens If You Ignore the Problem?
If mortgage arrears go unresolved, your lender may start legal action. This can lead to a court process and potentially repossession of your home. However, repossession is a last resort and can often be avoided with the right help early on.
Court involvement doesn’t mean automatic eviction. You’ll usually have a chance to explain your circumstances and propose a payment plan.
Local Help for Mortgage Arrears in the UK
Mortgage arrears support is available across the UK, and many regions offer localised advice and services tailored to your needs. Whether you’re in England, Scotland, Wales or Northern Ireland, you can access free help if you’re struggling with repayments.
England
In England, homeowners can turn to a range of support services. Start with Citizens Advice, who offer in-person and online help with mortgage problems, budgeting, and legal rights. Local councils may also offer housing support or refer you to a specialist debt adviser in your area.
Organisations like Shelter England provide advice if you’re facing the risk of repossession or need help negotiating with your lender. Don’t wait—early action often opens up more options.
Scotland
In Scotland, Shelter Scotland and Money Advice Scotland are key contacts. They offer free advice, court representation, and help with mortgage arrears under Scottish housing law. You may also qualify for the Home Owners’ Support Fund, which can prevent repossession in some cases.
Wales
Homeowners in Wales can get help through Advicelink Cymru, Citizens Advice Cymru, and local housing support teams. The Welsh Government offers schemes to support those at risk of losing their homes due to arrears or financial hardship.
Northern Ireland
In Northern Ireland, Housing Rights provides clear, expert guidance on dealing with mortgage arrears. Their advisers understand the local legal process and can support you through negotiations, court proceedings, or applying for financial help.
Don’t Wait – Take Control Today
The worst thing you can do is ignore mortgage arrears. The sooner you seek help, the more options you’ll have. Whether it’s a short-term financial blip or something more long-term, you’re not alone — and there are steps you can take to stay in your home and get back on track.
If you’re facing mortgage arrears, reach out to your lender, get advice, and take action today.
FAQs
A missed payment is when you fail to pay your mortgage on time for one month. Mortgage arrears mean you’ve missed one or more payments and now owe a backlog. Mortgage arrears are more serious and may affect your credit score or lead to legal action if not resolved.
Yes, selling your home is one option if you’re unable to maintain payments long-term. It can help you clear your mortgage debt and avoid repossession. However, speak to a debt adviser or your lender first to explore all other solutions before selling.
Yes, mortgage arrears will usually appear on your credit file. Lenders report missed payments to credit reference agencies. This may affect your ability to borrow in the future, including applying for credit cards, loans, or even renting a property.
Yes, there are region-specific services. In Scotland, Shelter Scotland offers free advice and legal support. In Northern Ireland, Housing Rights provides guidance tailored to local laws. Always check local support for the most relevant help in your area.
In the UK, lenders must follow strict procedures before taking court action. You have a legal right to be informed and to attend court hearings. Judges often allow payment plans if you show a willingness to pay. Repossession is a last resort.
It’s difficult, but not impossible. Some specialist lenders offer remortgaging options for people with arrears, though interest rates are usually higher. Always speak to a mortgage broker or adviser to explore if this is a suitable route for you.
Not usually. Mortgage arrears are priority debts, and most DMPs cover non-priority debts like credit cards or loans. However, a DMP can free up more income to go towards your mortgage. Speak with a free debt adviser for a tailored plan.
There are several UK-wide services, such as Citizens Advice, StepChange, and National Debtline. For local advice, search “[mortgage arrears help near me]” or check your local council’s website for housing and financial support services.
It’s unlikely, but not impossible. Lenders won’t usually take action after just one missed payment. However, if you ignore the problem or miss multiple payments, legal action may follow. Always act early to avoid reaching that stage.
It’s possible. If you’ve resolved your arrears and kept a clean credit record since, some lenders may consider you after a few years. Your options may be limited, and interest rates could be higher, but it’s not the end of the road.
Continue Reading
Can a first-time buyer get an interest-only mortgage?
How to get a mortgage with no deposit
Mortgage brokers first-time buyers London
Family offset mortgages vs. traditional mortgages
Self-employed mortgages London
Can I get a mortgage with bad credit if my partner has good credit?
Will one missed credit card payment affect your mortgage?
Should you get an interest-only mortgage right now?
Can you add someone to a mortgage?
How to find the best mortgage brokers for first-time buyers
Single brick construction mortgage
How much can I borrow for a mortgage?
Mortgage with a gifted deposit
Joint mortgage with bad credit