Repossession pressure in Manchester

Worried about repossession? Understand your options early.

If mortgage arrears are putting your home at risk, a calm conversation early on keeps more choices open.

Where you might be

Falling behind on a mortgage is stressful and more common than people admit. Letters from a lender can feel like a countdown. The most useful thing you can do is look at your options before dates are fixed, because every stage leaves fewer of them.

Common complications

Court and lender dates

Notices and hearings set a timetable that a sale has to fit around.

Not enough equity

If the loan is close to the value of the home, there may be little left after a sale.

Pressure on the household

Money worries affect everyone at home, which makes clear decisions harder.

How we can help

Share your situation

Tell us where things stand with your lender, in as much or as little detail as you like.
Decide with advice

You take the figures to an independent adviser before you decide anything.

What to prepare

Recent letters from your lender
Your latest mortgage statement
Any court paperwork you have received
Details of any other loans secured on the property

What to bear in mind

A sale will not always be possible in the time available, and it may not clear everything you owe. We are not debt advisers or solicitors. Free, independent debt advice is available, and we would encourage you to use it alongside speaking to us.

This page is general information, not legal or financial advice. Please speak to an independent solicitor or adviser about your own circumstances.

Questions you may have

Can a sale stop repossession?

It depends on your lender, the stage reached and the amount owed. Please take independent advice. We cannot promise any legal outcome.

Will I still owe money after selling?

If the sale price is lower than the mortgage, a shortfall can remain. An adviser can explain what this would mean for you.

Areas we cover

Other situations

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