Home Owners: Helping you to keep your home and where to get advice

Are you able to find ways of spending less money? You could put any money saved towards your mortgage and arrears. 

The checklist below contains some examples:

• Are you repaying arrears on other debts and bills? If so it might be possible to reschedule those debts to free up some money to put towards your mortgage. As your mortgage is 'secured' on your home it needs to be treated as a priority debt.
• Are you finding it impossible to meet the interest and charges applied to multiple debts? Your advisor might be able to get the interest delayed or frozen and charges stopped.
• Have you taken out expensive payday loans? Your advisor might be able to help you get these loans under better control.
• Can you refinance and get a cheaper rate of interest on loan(s)?
• Can you save some money by spending less on entertainment? 
• Are you buying anything on credit that you could return? 
• Can you cut back on non-essential items?
• Have you got the cheapest tariff for your mobile phone, telephone, gas, electricity, internet or insurance? It might be worth shopping around for better deals.