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Keeping your home

The financial downturn has increased the number of people at risk of eviction or repossession – but this is still a last resort. The sooner you take action to deal with any arrears, the more likely it is that you can stay in your own home.

Mortgage difficulties

Get advice if you’re struggling to pay your mortgage or you’re worried that you might fall behind. Contact your lender as soon as possible – they may agree a payment arrangement with you. Depending on your circumstances, you may be eligible for help to stay in your home.

Rent difficulties

Get help to sort things out if you can’t pay your rent or you’ve missed payments. There are rules about when and how your landlord can evict you for rent arrears, depending on the type of tenancy you have.

Remortgaging

If you’re coming to the end of a mortgage deal (like a fixed, capped or discount rate), or you’re currently paying the ‘standard variable rate’, find out about shopping around for a new interest rate.

Taking in a lodger

You might consider letting a room in your home as a way to get some extra income. You can get up to £4,250 a year tax-free from renting furnished accommodation to a lodger. But you’ll have certain responsibilities as a landlord.

Nowhere to live

You can get help and advice if you face the prospect of losing your home. Your local council may offer you somewhere to stay if you become homeless through no fault of your own.

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