Mortgage Arrears Help in the UK

Falling behind on your mortgage can be terrifying. Whether you're one month in arrears or facing court action, there are steps you can take to avoid repossession and get back on track. At Fresh Start Debt Support, we help you take urgent action before it's too late — and explore real options to keep your home safe.

What Are Mortgage Arrears?

Mortgage arrears occur when you’ve missed one or more monthly payments to your lender. If the arrears continue, your mortgage company may begin legal proceedings that could lead to repossession — even if you've paid most of your mortgage over the years.

• Missed payments affect your credit file
• Lenders may charge arrears fees or interest
• Legal notices and repossession claims may follow
• You could lose your home if no action is taken

How Quickly Can Mortgage Lenders Act?

Some lenders will begin repossession proceedings after just 2–3 missed payments. They must follow legal procedures — but they are not required to wait if no agreement is made. That’s why it’s critical to seek help early and show you're taking steps to resolve the issue.

We can help communicate with your lender and work to prevent further action — fast.

Can Mortgage Arrears Be Included in a Debt Solution?

Mortgage debt itself is a secured debt and can’t be written off in an IVA or Debt Management Plan. However, your unsecured debts — like credit cards, loans, overdrafts, or payday loans — can be included. This reduces your overall monthly outgoings, making it easier to keep up with mortgage payments.

By lowering other debts, you free up money to pay your mortgage and avoid falling further behind.

Can I Get Help With Other Debts Too?

Yes — we can help you tackle unsecured debts that may be making it harder to pay your mortgage. These include:

• Credit cards
• Personal loans
• Catalogue debt
• Gas & electricity bills
• Council tax arrears
• Overdrafts

We’ll help you create a structured plan to deal with these debts so your mortgage takes priority.

What If I'm Already in Court Proceedings?

If you've received a possession notice or court hearing date, act fast. The sooner you get professional help, the more likely we can stop repossession and agree a repayment plan with your lender. We’ll guide you step-by-step and help you prepare a strong case to keep your home.

Can I Still Qualify for a Debt Plan While in Arrears?

Yes — if your mortgage is still active and you’re working or receiving income, you may qualify for:

• DMP – Reduce your unsecured debt payments
• IVA – Freeze interest and write off debt over 5 years
• DRO – If you have low income and low assets

These options give you breathing space and help prevent your situation from escalating further.

Why Choose Fresh Start Debt Support?

• ✅ Fast, free, and confidential advice
• ✅ Real solutions to protect your home
• ✅ We deal with creditors and speak to your lender if needed
• ✅ No pressure or judgment — just help
• ✅ Rated for friendly, reliable support

We understand how serious mortgage arrears can be. Our goal is simple — to give you the help, clarity, and tools you need to stay in your home and take back control of your finances.