Fresh Start Debt Support
If you’ve fallen behind on your mortgage, you’re dealing with a priority debt. The good news: with a clear budget and firm communication, lenders often agree to realistic catch-up arrangements. This page shows you exactly how to tackle mortgage arrears (often misspelled “mortgage arears”), stabilise essential bills, and build an affordable plan for everything else you owe.
We’ll cover letters and timelines, how to talk to your lender, what happens if court is mentioned, and how we use Breathing Space where appropriate to give you time to get organised. We’ll also show how we roll other debts—credit cards, catalogues, overdrafts, loans—into a single affordable payment so you can keep up with the mortgage going forward.
Start My Free Mortgage Arrears CheckPrefer to compare options first? See Compare Solutions or read about Council Tax Debt and Utility Bills if those are also behind.
When a payment is missed, lenders issue arrears notices and ask for a plan to catch up. This is the moment to engage. A calm, budget-backed proposal can stop escalation and fees.
If arrears persist, you may receive pre-action letters about possible court proceedings. It’s serious, but not the end. We help you present a credible plan that prioritises the mortgage and proves affordability.
Courts expect you to have a clear budget and repayment proposal. With our help, many clients secure suspended possession orders or arrangements that let them stay in the home while they clear arrears gradually.
The earlier you engage, the more options you keep. We’ll organise the numbers, remove guesswork, and speak the lender’s language—affordability and sustainability.
I’ve Had a Letter — Help Me RespondOur approach is simple: protect essentials, then structure the rest. Alongside the mortgage, stabilise utilities and council tax. If you’re in rented accommodation with other debts, see Rent Arrears as well—housing always comes first.
Paying non-priority debts while the mortgage falls behind invites escalation. We put your budget in the correct order so your home and essential services are protected.
We always include headroom. A plan that only works on a perfect month will fail quickly. Sustainable beats optimistic every time.
Protect My Essentials FirstLenders respond best to clear numbers. We present income, essential spending and a proposed arrears repayment that leaves room for life. That’s how you earn cooperation.
We’ll evidence averages and seasonality, and design a plan that survives quieter months. See Business Debt for extra support if you trade.
Keep copies of letters, emails and call notes. Written records make negotiations faster and clearer—especially if court is mentioned later.
Help Me Propose a Plan to My LenderMost people with mortgage arrears also juggle credit cards, catalogues, overdrafts, loans, and BNPL like Klarna. We commonly roll these into one manageable monthly payment so your mortgage can stay current.
Debt Management Plan (DMP) – informal and flexible; many creditors freeze or reduce interest/charges.
IVA – formal, legally binding; strong protections; remaining eligible unsecured debt may be written off on completion.
DRO – for low income/low assets; strict eligibility, but very effective where it fits.
Fewer moving parts, less contact pressure, and space in the budget to keep the mortgage on track—month after month.
Check Compare Solutions for a quick overview, then ask us for a personalised recommendation based on your numbers.
Roll My Debts into One Affordable PaymentIf pressure is intense, we may use Breathing Space where appropriate to pause most enforcement and interest on qualifying debts while we prepare a long-term plan. It’s not a solution by itself—it’s time to get the solution ready.
Even during a pause, staying engaged with your mortgage provider is key. We’ll guide you on the right messages and timing.
Ask If I Qualify for Breathing SpaceRead this page, then skim Compare Solutions, Breathing Space, and Stop Debt Collectors if third-parties are contacting you.
Share basic details so we can contact you and map your picture fast.
Fill In the Quick JotFormNo scripts or judgement—just a specialist focused on your best outcome.
We’ll list every debt and confirm the mortgage arrears position, so nothing’s missed.
We’ll agree a monthly figure you can keep and draft a lender-ready plan. Preview it with our Debt Calculator.
We refine the route (e.g., DMP, IVA, DRO) to support your mortgage stability and long-term goals.
Use our reference number with creditors and, where appropriate, Breathing Space while arrangements are set up.
Begin Step 1 → Quick JotFormStay calm and get your paperwork in order. Courts look for a credible plan supported by a realistic budget. With a clear proposal, many clients avoid repossession via suspended orders or structured arrangements.
We’ll help you organise documents, draft wording, and keep communication constructive with both the court and lender.
Stick to the order or agreement and tell us immediately if anything changes—we can often adjust before problems snowball.
I’ve Got a Court Date — Help Me PrepareDifferent lenders behave differently. For typical approaches and tips, see our pages on Barclays, HSBC, NatWest, Lloyds, and Capital One (for card and ancillary debts that might be crowding the budget).
We base proposals on a clear, consistent budget. That’s what carries weight with lenders, collectors and the court.
One plan, one voice. It reduces stress and stops you making short-term promises that break next month.
Get Help Dealing with My LendersWe’ll call you promptly (and WhatsApp if we can’t get through). We start the fact-find and budget immediately, prioritising the mortgage, council tax and utilities.
No—bring what you have. We’ll help you confirm the balance with your lender and gather anything missing.
They don’t directly control your mortgage lender, but by reducing pressure from other debts they can free room to maintain the mortgage and offer a sustainable arrears plan. We’ll tailor the route to support your home first.
Lender policies vary. What matters most is a credible budget and early engagement. We’ll present the strongest case possible and focus on what gets you stable.
Tell us quickly. DMPs are usually more flexible; IVAs have formal variation processes. Either way, we adapt where the solution allows.
Mortgage arrears and any arrangement can impact your credit profile. For many people the immediate priority is safeguarding the home and stabilising essentials. We’ll explain the trade-offs plainly.
Yes—tell us about any loans secured on the property. We’ll factor them into the plan so nothing is missed.
Use our guides: What is debt collection? and Stop Debt Collectors. We’ll route contact through your budget-backed plan and keep conversations calm and structured.
Ask us directly and get a personalised answer fast.
Ask a Mortgage Arrears SpecialistCollect lender letters, statements and your last 2–3 months of bank activity. List essential bills: mortgage, utilities, council tax, travel, food.
Use the Debt Calculator. We’ll refine it to a lender-ready format and calculate what you can genuinely afford towards arrears.
We’ll help you contact the lender with a specific, sustainable plan. If suitable, we’ll also start a DMP/IVA/DRO process for non-priority debts so the mortgage stays front and centre.
Small steps, consistently taken, beat big promises that break. We keep you moving and defend your budget with the lender.
I’m Ready — Build My Week-One PlanIf cards or loans have been sold or escalated, you may hear from firms like Lowell, Cabot, Moorcroft, Advantis, Link Financial, Capquest, Wescot, Resolvecall, Hoist, Robinson Way, Fredrickson, Moriarty Law, Drydensfairfax, and PRA Group. We’ll channel all of this through your plan so the mortgage isn’t crowded out.
We’ll help you respond without agreeing to unaffordable amounts. One realistic payment beats three broken promises.
Start with What is debt collection? and Stop Debt Collectors to feel more confident today.
Help Me Handle Collectors CalmlyThe aim: protect your home, reduce stress, and build a plan you can keep.
Start My Free Mortgage Arrears CheckWhen you’re ready, we’re ready—on your terms and timeline.
Speak to a Specialist