Free help and advice on repossession and mortgage problems

Housing Rights offers a free independent mortgage debt advice service to people in Northern Ireland who are worried about losing their home.

We can give you free mortgage debt advice if you are;

• struggling to pay your mortgage,
• missing mortgage payments,
• due to attend a repossession hearing at court,
• worried about negative equity, or
• afraid of losing your home.

Give us a call on 028 90245640 and one of our specialist mortgage debt advisers will try to help you keep your home. Your adviser will:

• explore all the options available to you
• help you to work out a household budget
• help you put together a realistic proposal to your lender, or the courts, which is affordable.

No matter what stage of housing debt you are in, we can help. 

I'm having problems paying my mortgage.

Let your lender know. Your lender should want to know if you’re having problems paying your mortgage, so that you can work together towards a resolution before the situation gets any worse.  There are certain steps that your lender has to take before you can be brought to court. Call a Housing Rights adviser on 028 90245640 to find out how to approach your lender. Getting advice today and not tomorrow could help you keep your home.

I've missed some mortgage payments and my bank is sending me letters.

Your lender will usually send you a letter stating you that you have missed one or two payments.  It is best to speak with your lender before solicitors are instructed. You can get advice from Housing Rights on 028 90245640 to go through your options before speaking to your lender. Getting advice now and not later could help you stay in your home.

My lender has been granted a possession order.

Even at this late stage, you may be able to avoid having to leave your home if you can come up with a realistic proposal to repay the money owed. A Housing Rights mortgage debt adviser can help with this. Call us on 028 90245640 .

I can't pay my mortgage, should I just hand back the keys?

Even if you hand back your keys, you'll still be responsible for any  money that you owe on the property.  You could also struggle to get a mortgage again. Get free advice from on your options before making this kind of life changing decision. Call us on 028 90245640 to find out what these are.

I've received papers to go to court. Do I need to attend?

It is vital that you attend your court hearing. If you don't go, the chances that your home will be repossessed will be much higher. Call us on 028 90245640 , an adviser can talk you through your options and may be able to go to the hearing with you.

I have received a letter from the enforcement of judgements office. Do I have to move out of my home now?

Even at this stage, there is still an opportunity for you to reach an arrangement with your lender. Talk to one of our mortgage debt advisers on 028 90245640 as a matter of urgency to see if its still possible to stop your lender from repossessing your home.

I want to move, but my house is in negative equity.

You will usually need to get the lender's consent before you can sell the property if it's in negative equity. You may not be able to sell your home without making a loss, but there are options available. We can explain what your options are if you're in negative equity.  The government funds us to help people like you, so we don't charge fees for helping you with debt problems.

Speak to a Housing Rights mortgage debt adviser on 028 90245640 for free advice if you are in negative equity, as some options may have a less favourable outcome for you than others.

Who can I get free advice about mortgage debt, repossession and negative equity from?

Call Housing Rights on 028 90245640 between 09.30 and 14:30 Monday - Friday. You can also chat live online.

Watch how we were able to help Carol save her home.