Mortgage pack
A comprehensive mortgage pack to help you deal with mortgage arrears.
What you can do about your arrears (pdf)
Provides information and advice to reduce your mortgage arrears. This includes tips for negotiating with your mortgage lender and advice on mortgage options.
How to maximise your income (pdf)
This section provides information on benefits and current benefit entitlement rates.
Help with housing costs (pdf)
Information on claiming housing costs like interest repayments on your mortgage and service charges for long leaseholders.
How to present your information to your financial lenders (pdf)
Advice on presenting your household income for negotiating a deal to reduce arrears. It also contains a standard letter and a financial statement to complete and send to your lenders.
What action can your mortgage lender take about your arrears (pdf)
Information on the eight stages of possession proceedings.