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Repossession of homes

What to do if you are in danger of having your home repossessed by your landlord, including repossession because you cannot keep up with the mortgage payments.

Information and advice from other websites

  • Repossessionthis link opens in a new window

    As a home owner, you can only be evicted if your lender or freeholder has a legal reason (grounds) and the correct procedure is followed. Repossession doesn't happen automatically. It may be possible to stop the eviction at any stage in the process. (Applies to England only)

    From: Shelter

  • Mortgage arrearsthis link opens in a new window

    Information on the options that you may have if you find yourself in mortgage arrears. You'll need to act quickly, even if the problem is only temporary.

    From: Shelter

  • Mortgage shortfallsthis link opens in a new window

    Explains what a mortgage shortfall is and how long you can be pursued for the debt. Includes what to do if you dispute the amount and how to negotiate repayments.

    From: National Debtline

  • Ordered to leavethis link opens in a new window

    Explains what happens if the court decides that you should be evicted, the bailiffs' role in evicting you, and what will happen to your home and to any mortgage debts you have. Also outlines how the repossession could affect your future housing options. (Applies in England only)

    From: Shelter

  • Repossession - allowed to staythis link opens in a new window

    You may have been allowed to stay in your home after a repossession hearing. This may be because there wasn't a good enough reason to evict you or because the judge believed you should be allowed to stay, on the condition that you can put the situation right (for example, by paying off your arrears) within a certain amount of time. This page only applies to England.

    From: Shelter

  • Home ownership - going to courtthis link opens in a new window

    If you are a homeowner, you can only be evicted if the court makes an order telling you to leave. Explains what happens if you are taken to court. (England only)

    From: Shelter

  • Mortgage rescue schemesthis link opens in a new window

    Information on schemes which help homeowners who are struggling to pay their mortgage, including private and government-run schemes and those run by social landlords, and where to find financial advice.

    From: Adviceguide from Citizens Advice

  • Government-funded help for struggling homeownersthis link opens in a new window

    Several Government-funded measures are now available to help people who are finding it increasingly difficult to pay their mortgages as a result of the economic downturn.

    From: Shelter

  • Repossession by a landlord's lenderthis link opens in a new window

    Your landlord's lender may try to repossess the property you are renting if your landlord does not keep up with their mortgage payments. If this happens, you may have some protection from eviction if your tenancy is binding on the landlord's lender. If not, your options will be more limited. Information on how you can get help if you are in this situation.

    From: Shelter

  • What happens when your mortgage lender takes you to court?this link opens in a new window

    Information on what a lender must do before seeking possession, including pre-action protocols, and decisions a court can make. (Applies in England only)

    From: Adviceguide from Citizens Advice

  • Your mortgage lender takes you to court - how to prepare for the court hearingthis link opens in a new window

    Information on what to do before a possession hearing, information to take to court, who can accompany you and what will happen during the hearing.

    From: Adviceguide from Citizens Advice

  • Links provided by Advicenow Advicenow is an independent, not-for-profit website providing information on rights and legal issues. Links provided by Advicenow are hand picked from over 200 UK web sites by experienced advisers

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