You searched for Repossession of homes

If you’ve fallen behind with your mortgage and fear losing your home, remember that there is help available. Don’t bury your head in the sand – it’s never too late to seek advice and get back on track.

Explains what a mortgage shortfall is and how long you can be pursued for the debt. Includes what to do if you dispute the amount and how to negotiate repayments.

If a court has decided that your home should be repossessed, it will usually be sold by your mortgage lender. Find out what happens when your home has been sold and if you will still owe any money. (England only)

Explains what happens if your lender starts repossession proceedings in the county court. Homeowners can only be evicted if the court makes a possession order, which they will only do in certain circumstances. (Content applies to England only.)

Your home can only be repossessed by your mortgage lender if a court agrees and if the correct procedures are followed. Repossession doesn't happen automatically. You may be able to stop repossession of your home at any stage in the process and you should seek help as soon as possible. (Content applies to England only.)

Information on what to do before a possession hearing, information to take to court, who can accompany you, and what will happen during the hearing. (Content applies to England)

Information on what a lender must do before seeking possession, including pre-action protocols, and decisions a court can make. (Content applies to England)

Find out about the options you can take that could help you keep your home, even if your lender has started legal action for repossession. 

Acting quickly to deal with mortgage payment problems or mortgage arrears, even if the problem is only temporary, could help keep your home safe. (Content applies to England only.)

Your landlord's lender may try to repossess the property you are renting if your landlord does not keep up with their mortgage payments. If this happens, you may have some protection from eviction if your tenancy is binding on the landlord's lender. If not, your options will be more limited. Information on how you can get help if you are in this situation. (Content applies to England only).

If you rent your home from a private landlord, you could find yourself facing eviction if your landlord falls behind with their mortgage payments. This is advice on what your rights are and what you can do if you find yourself in this situation.

A simple explanation of the various stages of repossession you can find yourself in and advice on what you can do.

If a court has decided that your home should be repossessed, it will usually be sold by your mortgage lender. Find out what happens until your home is sold, after it has been sold, and if you still owe any money. (Content applies to England only.)