The majority of mortgage lenders are extremely reluctant to take possession proceedings against homeowners as this is costly and time consuming. Lenders often welcome suggestions to resolve the situation for the benefit of all concerned.
It is important to contact housing advice services as soon as you realise you may have problems meeting your mortgage payments. It can be more difficult to help if arrears have built up and you haven't made the effort to negotiate a solution with the mortgage lender.
For further advice and help with mortgage arrears: