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Please note, this website will be upgraded between 25th January and 6th February 2018. It will not be possible to make online payments or complete service request forms on this site during this time.

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Are you in mortgage arrears?

If you have mortgage arrears it is important to take advice as soon as possible in order to stop the situation from getting worse.

Your mortgage or rent is a priority debt and this should be paid before other debts such as catalogue payments and unsecured loans.  For debt advice contact one of the organisations listed at the bottom of this page.

For further information about how to approach your lender about your arrears and to understand your lenders obligations towards you, contact the Housing Options team on 01536 410333.

The NHAS (National Homelessness Advice Service) has produced a leaflet providing mortgage advice and a list of useful contacts.

Download the NHAS mortgage advice leaflet.

Whatever you choose to do please remember that free, confidential and independent mortgage advice is available. You may find the following contacts useful:

StepChange Debt Charity (previously known as the Consumer Credit Counselling Service): Offers you help to deal with multiple debts. Visit http://www.stepchange.org/ or phone 0800 138 1111.

National Debtline: Helps you deal with debt problems. Visit http://www.nationaldebtline.co.uk/ or phone 0808 808 4000.

Payplan: Gives you advice on your debts. Visit http://www.payplan.com/ or phone 0800 917 7823.

Shelter: Offers you help with housing, mortgage debt or problems with welfare benefits. Visit http://england.shelter.org.uk/ or phone 0808 800 4444.

Which? Mortgage Advisers offer independant advice to help you get best mortgage deal for your circumstances  http://mortgageadvisers.which.co.uk/ or phone 0117 981 7999

Get in touch with Kettering Borough Council

Email: customerservices@kettering.gov.uk. Telephone: 01536 410333.

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