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.

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 or phone 0800 138 1111.

National Debtline: Helps you deal with debt problems. Visit or phone 0808 808 4000.

Payplan: Gives you advice on your debts. Visit or phone 0800 917 7823.

Shelter: Offers you help with housing, mortgage debt or problems with welfare benefits. Visit or phone 0808 800 4444.

Are you struggling to pay your mortgage because you have lost your job?

If you are claiming Income Support, Universal Credit, income-based Jobseeker's Allowance or income-related Employment & Support Allowance and you are a homeowner, your benefit may include additional support for mortgage interest (SMI).

Support for Mortgage Interest is administered by Jobcentre Plus contact the Mortgage Support Team on 0845 6094904.

For more information visit the website

Which? Mortgage Advisers offer independant advice to help you get best mortgage deal for your circumstances or phone 0117 981 7999