A selection of images representing communities.
Following the change of government we are reviewing all content on this website.
Homeowners Mortgage Support (HMS) was launched in April 2009 to help homeowners remain in their homes if they fall on difficult times.
The scheme enables eligible borrowers to defer their monthly mortgage interest payments to affordable levels for up to two years to help them get back on track with their finances if they suffer a temporary loss of income.
More details about the scheme for consumers can be found on the Directgov website can be found on the Directgov website (external link).
330,000 homeowners have already got help and advice with their mortgage since April 2008. For information on your options and to find out who you can talk to visit www.direct.gov.uk/mortgagehelp (external link), speak to a trained adviser at our debt advice partners or call the National Debtline free on 0808 808 4000.
Information for local authorities about Real Help Now schemes they are delivering or advising on, to give immediate help to homeowners struggling to pay their mortgage can be found on the info4local (external link) website.