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When everyone has a home

Housing advice for Northern Ireland

Mortgage Debt Advice

Mortgage debt advice
Call 028 9024 5640 for free advice

Our advisers are here to help if you're having money problems and are worried about losing your home.

Get help if you're having problems paying your mortgage. Our friendly, free and confidential advice service can explain your options. While it's never too late to get advice, the sooner you contact us, the more we can usually do to help. Call our helpline on 028 9024 5640

You can be asked to go to court if you miss payments on your mortgage. Getting a court summons 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.

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

You cannot get benefits to help pay your mortgage. The only help available is a loan that can cover some of the interest you pay on your mortgage. This loan is called Support for Mortgage Interest (SMI). 

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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