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2. People also ask

   What should I do if I'm struggling with my mortgage payments?

   • If you're struggling with your mortgage payments, taking a good look at your existing finances should be your priority. This means creating a budget and seeing if it’s possible to trim your outgoings. Was this section useful?

   Help with mortgage payments - MoneyHelper

   www.moneyhelper.org.uk/en/homes/buying-a-home/government-help-if-you-cant-pay-your-mortgage

   See all results for this question

   Are You struggling to keep up your mortgage payments?

   • If you’ve been struggling to keep up your mortgage payments, you may have started to build up a debt. This is often called mortgage arrears. You might be in debt because you missed one or more monthly payments or you’re paying less money each month than your monthly payment. You’ll need to work out a way to pay back what you owe.

   Help dealing with mortgage debts - Citizens Advice

   www.citizensadvice.org.uk/debt-and-money/mortgage-problems/how-to-deal-with-mortgage-debts/

   See all results for this question

   What should I do if I miss a mortgage payment?

   • If you’ve not missed a payment, but you are struggling, there are things you can do now. If you’re worried about your mortgage payments, the first step should always be to contact your lender. The sooner you act the better, as you’re likely to have more options before you miss a payment. Was this section useful?

   Help with mortgage payments - MoneyHelper

   www.moneyhelper.org.uk/en/homes/buying-a-home/government-help-if-you-cant-pay-your-mortgage

   See all results for this question

   Can I get help with my mortgage repayments if I'm struggling?

   • An extra 200,000 homeowners on universal credit are now eligible for state help with their mortgage repayments as changes to the 'support for mortgage interest' scheme have kicked in today (3 April). It means you might be able to get help covering a portion of your monthly mortgage repayments if you're struggling.

   On universal credit and struggling to pay your mortgage? Check if you

   www.moneysavingexpert.com/news/2023/april/access-to-mortgage-support-scheme-widened-in-bid-to-support-stru/

   See all results for this question

   What if I Can't Make my mortgage payment?

   • If you don't think you'll be able to make your mortgage payment, the first thing to do is contact your lender. It's key to talk to them as soon as possible and make them aware of your situation. Regardless of whether you're with a major bank or smaller building society, they should be willing and able to offer support.

   What to do if you can't pay your mortgage - Which?

   www.which.co.uk/money/mortgages-and-property/mortgages/what-to-do-if-you-cant-pay-your-mortgage-aNONe3O3U1dD

   See all results for this question

   Are You struggling to pay your mortgage hard?

   • If you're finding paying your mortgage tough, there's a good chance you might be struggling with other repayments and debts too. If so, don't panic – no debt problem is unsolvable. Take a look at all your debts together and try to manage and prioritise them.

   What to do if you can't pay your mortgage - MoneySavingExpert

   www.moneysavingexpert.com/mortgages/struggling-to-pay-your-mortgage/

   See all results for this question

3. www.moneysavingexpert.com › mortgages › strugglingWhat to do if you can't pay your mortgage - MoneySavingExpert

   www.moneysavingexpert.com › mortgages › struggling

   • Cached

   This guide takes you through practical steps to ease the pressure of higher mortgage costs. Step 1. Reassess your finances. If you're struggling with your mortgage, then doing a deep-dive into your existing finances should be your first priority.

   • On universal credit and struggling to pay your mortgage ...

     An extra 200,000 homeowners on universal credit are now...

4. www.moneyhelper.org.uk › en › homesHelp with mortgage payments - MoneyHelper

   www.moneyhelper.org.uk › en › homes

   • Cached

   If you’re struggling to pay your mortgage, the government could be able to help. Find out what support is available to help boost your income.

5. Videos

   • 

     1:00

     bbc.co.uk

     Mortgages: What happens if I am struggling to pay?

     9 Jan 2024

   • 

     6:37

     thisismoney.co.uk

     What to do if you can't pay your mortgage due to rising rates

     29 Sep 2022

   • 

     3:56

     youtube.com

     How To Pay Off a Mortgage

     24 Apr 2018

     771.8K views

   View all

6. www.citizensadvice.org.uk › debt-and-moneyHelp dealing with mortgage debts - Citizens Advice

   www.citizensadvice.org.uk › debt-and-money

   • Cached

   If you’ve been struggling to keep up your mortgage payments, you may have started to build up a debt. This is often called mortgage arrears. You might be in debt because you missed one or more monthly payments or you’re paying less money each month than your monthly payment.

7. www.which.co.uk › money › mortgages-and-propertyWhat to do if you can't pay your mortgage - Which?

   www.which.co.uk › money › mortgages-and-property

   Jul 23, 2024 · Find out what to do if you're struggling to make your mortgage repayments or have missed a payment and gone into arrears, including how your lender can help plus free debt advice.

8. www.moneysupermarket.com › news › what-to-do-if-yourWhat to do if you’re struggling to pay your mortgage

   www.moneysupermarket.com › news › what-to-do-if-your

   • Cached

   • Talk to Your Mortgage Lender
   • Taking A Payment Holiday
   • Extending Your Mortgage Term
   • Switching to Interest-Only
   • Mortgage Arrears
   • Make A Budget
   • Support For Mortgage Interest Scheme
   • Help from Debt Charities
   • Will My Home Be Repossessed?
   • Our Other Useful Mortgage Guides

   If you’ve missed a mortgage payment, or know you won’t be able to make upcoming payments, the first step is to speak to your lender. It will be keen to help and explain your options. These might include: 1. Deferring a payment 2. Taking a payment holiday 3. Increasing your mortgage term and so reducing your monthly payments 4. Switching to just pay...

   See full list on moneysupermarket.com

   A payment holiday means having a break from paying your mortgage for a few months. You’ll still be charged interest during this period and you’ll need to catch up with these payments before your mortgage term ends. Not all lenders or mortgage products offer payment holidays. Often, in order to qualify for a payment holiday, you’ll need to have prev...

   See full list on moneysupermarket.com

   If your income has dropped, extending your mortgage term to reduce your monthly payments might be the solution. If you have arrears, increasing the term may mean you can afford to pay your new mortgage payment plus an amount towards the arrears. It’s important to understand that extending your mortgage term will increase the total amount of interes...

   See full list on moneysupermarket.com

   If you’re on a repayment mortgage you may be able to switch to an interest-only mortgage. This will reduce your monthly payment as you’ll only be paying the interest on the mortgage, rather than the interest and the capital. Switching to interest-only can be a good short-term solution but you’d need to make sure you can repay the capital (the origi...

   See full list on moneysupermarket.com

   If you’ve fallen behind on your scheduled mortgage payments, this is known as being “in arrears”. Don’t worry – mortgage arrears don’t automatically result in your home being repossessed. Your mortgage lender is obliged to help you. Your lender will contact you if you miss a payment. It will list the payments you have missed, tell you how much in a...

   See full list on moneysupermarket.com

   Making a budget is a good first step towards paying off mortgage arrears. Make a list of all your income and outgoings and see where you can make some cutbacks. If you've got any money left over once you’ve covered all of your household bills and living costs, you can use this money to pay off your mortgage arrears. You might have other debts such ...

   See full list on moneysupermarket.com

   You may be able to get help from the government’s Support for Mortgage Interest (SMI) scheme if you’re in mortgage arrears. You usually need to be getting, or treated as getting, a qualifying benefit (such as Universal Credit) to get SMI. SMI will help you pay the interest on up to £200,000 of your mortgage. The benefit is paid directly to your mor...

   See full list on moneysupermarket.com

   There are several debt charities that can advise you on missed payments, mortgage arrears and budgeting. These include: 1. Citizens Advice 2. StepChange 3. National Debtline 4. Shelter

   See full list on moneysupermarket.com

   In most cases of mortgage arrears, you won’t end up losing your home. Your mortgage lender is not allowed to pursue repossession unless all other reasonable attempts to resolve the situation have failed. Keep the lines of communication open with your lender – it’s more likely to escalate action against you if it cannot contact you or you ignore cor...

   See full list on moneysupermarket.com

   For more information on mortgages, check out our other guide pages: Are mortgage rates likely to go up or down in 2024? | MoneySuperMarket Understanding a Mortgage Offer | MoneySuperMarket Should I fix my mortgage or go variable? | MoneySuperMarket

   See full list on moneysupermarket.com

9. www.zoopla.co.uk › discover › property-newsWhat can I do if I’m struggling to pay my mortgage? - Zoopla

   www.zoopla.co.uk › discover › property-news

   • Cached

   First things first, if you’re finding it hard to pay your mortgage, contact your lender. Don’t be afraid, lenders will work with you to find a solution. Options may include a mortgage holiday, changing to an interest-only loan, or increasing your mortgage term.

10. www.moneysavingexpert.com › news › 2023On universal credit and struggling to pay your mortgage ...

    www.moneysavingexpert.com › news › 2023

    • Cached

    Apr 3, 2023 · An extra 200,000 homeowners on universal credit are now eligible for state help with their mortgage repayments as changes to the 'support for mortgage interest' scheme have kicked in today (3 April). It means you might be able to get help covering a portion of your monthly mortgage repayments if you're struggling.