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I am struggling to keep up with my mortgage payments

A more detailed version of the advice contained on this webpage is available for download
If you are having difficulty paying your mortgage, do not ignore it, this will only make your situation worse. 


Contact your mortgage lender 

If you find yourself struggling to pay your mortgage it is important you contact your lender immediately. The majority of mortgage lenders will have procedures in place to help people in similar situations. Your mortgage lender will be more sympathetic towards you if they can see you are trying to pay at least something off, so pay what you can afford.


Request an extension to your mortgage period 

Usually mortgage repayment periods last 25 years. If you have been paying your mortgage for several years, you can ask your lender to extend the term to 25 years. Although this will decrease your monthly payment, you will be making payments for a longer period.


Make a personal budget 

A personal budget involves listing all your income and spending to help you see all your financial activity. The Money Advice Service has online budget planner tools you can use (contact details below).  

This will help you plan your future spending by seeing how you can focus your spending on essential commitments such as your mortgage, utility bills (water, gas, electricity etc.), food, Council Tax etc. and identify where you can reduce non-essential spending. 

You might be entitled to benefits that will increase your income. Contact your local Jobcentre Plus. If you claim Job Seekers Allowance or Income Support, the Jobcentre Plus can provide you with some assistance with mortgage payments.


Further Advice 

Citizens Advice Bureau

03444 111 444

Support for Mortgage Interest


Step Change Debt Charity

0800 138 1111

Money Advice Service

0300 500 5000

National Debtline

0808 808 4000


0808 800 4444