Problems paying your mortgage

If you're worried that you can't meet your mortgage or home loan repayments, you're in arrears or concerned that you might fall behind with your repayments, please contact your lender as soon as possible. Your lender should treat you fairly, and advise you what they can do to help you keep your home, with repossession as a last resort. They may be able to -

 reduce your payments for a set period

 charge you interest only for a while, if you've got a repayment mortgage

 give you a 'payment holiday'

 extend your mortgage term to reduce your payments

For more help and advice on mortgage difficulties you can download the leaflet Are You Worried About Your Mortgage?
If you think you'll have to leave your home, and are at risk of becoming homeless, you should contact us for help. You can read more about our homelessness and housing advice service.


Support for mortgage interest 


If you receive certain income related benefits, you may be able to get help towards interest payments on your mortgage or home loan.  This is called Support for Mortgage Interest (SMI).  More information and how to claim can be found at support for mortgage interest.


Mortgage Breathing Space Scheme


Depending on your circumstances, and if you have equity in your home, the Mortgage Breathing Space Scheme can provide interest free secured loans between £2,000 and £15,000 to help with mortgage arrears and mortgage payments for up to 12 months.  For more information you can visit Breathing space scheme.


Repossession


The GovUK website has information that you can download if you are worried about repossession.  A local organisation such as the Hull and East Riding Citizens Advice can also help.


Contact us


If you want to get in touch with us you can contact our homelessness and housing advice service by-

Call 01482 300 300 

9am to 4.30pm Monday

9am to 4.30pm Tuesday

10.30am to 4.30pm Wednesday

9am to 4.30pm Thursday

9am to 4.30pm Friday 

Email: homeless@hullcc.gov.uk

Or call in person at The Wilson Centre