0808 808 4000 Get help now
On this page
At a glance: What to do if you fall behind with mortgage payments.
Reading time: 2 mins
This summary is not relevant in England and Wales
For a version of this summary that covers England and Wales, please click here.

If you’re struggling to pay your mortgage

Mortgage payments are often quite big, and it can be easy to fall behind. If that happens there are things you can do. It is important to approach your lender to tell them about your problems. There might be options for support. 

This fact sheet does not deal with: 

  • Interest only mortgages that are coming to the end of their term. 
  • Interest only mortgages that have already ended. 

First steps

  • If you are struggling to pay your mortgage, get some advice as soon as possible. It is important to look at your whole situation.  
  • Contact your lender and talk to them about your situation. 
  • Pay as much as you can. Even if you have not paid for a while or cannot afford the full amount each month. 

The Mortgage Charter

Most UK mortgage lenders have signed up to the Mortgage Charter. If they have, they should offer you support if you are finding it hard to meet your mortgage payments. 

In most cases, From 26 June 2023, you should not be forced to leave your home within 12 months of your first missed mortgage payment, unless you agree to do so. 

How can I get help?

There are lots of things you can consider if you need help to pay your mortgage.  

  • If you are claiming certain benefits, you may be able to apply for a loan called Support for Mortgage Interest. 
  • You may be able to apply to the Homeowners Support Fund if you are at risk of being repossessed. This can allow you to stay in your property but sell a share of your home to the Scottish Government or stay in your home as a tenant. More information can be found in our Help with your mortgage payments guide.   
  • If you can afford your monthly mortgage payment, but have arrears, start paying your normal monthly instalment. You can then make an offer to the lender to pay off the arrears at an affordable rate based on your budget. Use our Digital Advice Tool to check your budget. 
  • If you have an endowment mortgage, you may be able to change this to a repayment mortgage. Endowment mortgages include an insurance policy. If you have had this policy for a while, you may be able to cash it in and get a lump sum. 
  • Switch to interest-only payments for a short time. 
  • Extend your mortgage term to reduce your monthly payments.  
  • Add the arrears to your mortgage. Usually, you can only do this if the value of your home is a lot more than the mortgage.  

Learn more about this topic

If you want to learn more about this topic, you can read our in-depth guide.

Read in-depth-guide

Was this page helpful?

We're here to support you
However you feel comfortable, we can help you make a plan to take control of your debt.