Struggling to pay your rent or mortgage
If you are struggling to afford your rent or mortgage, it is important to act as early as possible.
Getting help early may make it easier to keep your home.
If you rent your home
If you are finding it difficult to pay your rent, speak to your landlord as soon as you can. They may be willing to agree a payment plan or discuss other options with you.
Keep your landlord updated about your situation and let them know what steps you are taking. It is often easier to find a solution when problems are discussed early.
Additional support
You should also check that you are receiving all the financial support you are entitled to.
Our Welfare Rights Service or Citizens Advice can help you understand your options and make the most of your income.
If you are worried about falling behind with your rent, it may help to:
- Check that you are receiving the right benefits
- Ask whether Housing Benefit or Universal Credit can be paid directly to your landlord
- Apply for a Housing Payment
- Get advice from Shelter or another independent advice service
- Consider other housing options if your current home is no longer affordable
If you own your home
If you are struggling to pay your mortgage, contact your mortgage lender as soon as possible. They may be able to discuss options to help you manage your payments.
Do not ignore missed mortgage payments or letters from your lender. If you fall behind and do not speak to them, they may take action to recover the debt or repossess your home.
Keep your lender informed about your financial situation and let them know what steps you are taking to improve it.
Independent debt advice
It is also a good idea to get independent debt advice. There are many organisations offering free debt advice including: