Mortgage help

Your home may be repossessed if you do not pay your mortgage. If you have problems paying talk to your lender straight away.

Your lender might be able to accept reduced payments for a few months, offer you a better rate, or give you time to sell your home.

Many mortgage lenders have agreed to wait at least three months before taking repossession action. The law also says lenders must treat you fairly and take all your circumstances into account.

If you have lost your job or are too ill to work, check whether you have insurance to cover your payments.

Income support

You may be entitled to claim benefits to help pay your mortgage.

If you have been receiving income support for 13 weeks and have a mortgage, or loan to buy your home, you may be able to get help with the interest payments.

Income support can’t fund:

  • capital repayments
  • premiums for any endowment or pension policy connected to the mortgage
  • interest payments on any amount above ¬£200,000 capital
  • any part of the mortgage taken out for another purpose, such as buying a car
housing advice

01934 426 330

housing.advice@n-somerset.gov.uk