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When everyone has a home

Housing advice for Northern Ireland

Mortgage Debt Advice

CORONAVIRUS UPDATE

Lots of people are struggling to manage with housing issues because of the coronavirus crisis. Check out our Coronavirus section for information and advice on common problems, including help to pay your rent and mortgage, eviction and repairs.

Mortgage debt advice
Call 028 9024 5640 for free advice

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

Problems paying your mortgage

It's essential that you get help and advice if you're struggling to pay your mortgage. The sooner you start dealing with your mortgage debts, the more options you'll usually have. If you ignore the problem it becomes harder to manage and you could end up losing your home.

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Going to court for mortgage arrears

You can be asked to appear at court if you fall behind on your mortgage. Getting a summons to appear in court doesn't mean that you'll lose your home. There are a number of decisions that the judge at court can make. Our advisers at Housing Rights may be able to represent you at your court hearing.

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Getting help with mortgage debt

Housing Rights has a special team of advisers who help people who've fallen behind with their mortgage and who are worried about repossession.

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Support for paying mortgage interest

The help you get to pay your mortgage interest has changed.  The Support for Mortgage Interest (SMI) benefit came to an end on 5 April 2018, and has been replaced with the offer of a loan. 

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Help to pay your mortgage or secured loan

If you get certain benefits, you might be able to get help to pay the interest on your mortgage. This help will be a loan and you'll have to repay the money if you sell your home. You'll normally have to wait almost 10 months from the date you start getting other benefits until you'll get help towards your mortgage.

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