What to do when you can't meet your mortgage payments


Many homeowners have problems paying their mortgages, often when they lose a job, split up with a partner or have unexpected expenses.
If you're struggling to pay, you need to act quickly - even if the problems are only temporary.

6. What to do as a last resort?


Sell your home
If you can’t afford your mortgage payments and you think this situation won’t change in the long term, you may wish to think about selling your home. However, before you do this, think carefully about where you will live. Your local council may say you have made yourself intentionally homeless and will not help you find somewhere to live. If you live in Scotland, you may be eligible for the national Mortgage to Rent Scheme. The scheme may be able to arrange for you to sell your home to a social landlord and remain there as a tenant. Advice agencies can give you more information about this scheme – see useful contacts.