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John's picture
Joined: 09/03/2008

If you have recently lost you job and have started claiming benefits expecting support on your mortgage I would make you aware of the current situation according to the Department for Work & Pensions.

You will be interested in the announcements - 16th January  and 27th January 2009 (click here).<

Problems with there IT systems are leading to payments being short.

kevin's picture
Joined: 09/03/2009

f you can't meet your mortgage repayments, or you're worried you might fall behind, contact your lender as soon as possible. You can also get free independent advice from other organisations and you may be able to get help with your mortgage from new schemes starting in early 2009.<


Managing debt<


anonymous (not verified)
anonymous's picture

On 21 April 2009, the Prime Minister announced that Homeowners Mortgage Support is now available to help homeowners who suffer a temporary income shock. It means that eligible homeowners will be able to make smaller mortgage repayments for up to two years, without the risk of losing their homes.

* You can read the News Release: New homeowners mortgage support begins - 21 April 2009
* More details about the scheme for consumers can be found on the Directgov website (external link)

More general advice for anyone worried about keeping up with their mortgage repayments can be found at DirectGov - keeping your home (external link) or by reading the leaflet - Are you worried about your mortgage? Get advice now (external link) which has been Crystal Marked for its clarity.
In this section

* Homeowners Mortgage Support - Policy scheme description

Related publications

Guide to Homeowners Mortgage Support
o Published: 21 April 2009
o Site: Housing
Impact Assessment of Homeowners Mortgage Support
o Published: 21 April 2009
o Site: Housing
Real Help for the Housing Market - Factsheet<

anonymous (not verified)
anonymous's picture

Dr Phyllis Starkey, Chairman of the Communities and Local Government Select Committee, introduced a debate in Westminster Hall on the Committee's report on housing and the credit crunch, and the Government's response. Housing Minister, Ian Austin, responded to the debate.

Westminster Hall adjournment debates allow MPs to consider issues of local or personal interest which rarely have time to be debated in the main Chamber of the House of Commons. MPs can discuss a variety of issues and receive a response from a government Minister.

On Thursdays, the sitting consists of a single debate, either on a report from a select committee - as on this occasion - or a topic chosen by the Government.<

anonymous (not verified)
anonymous's picture

The Ministry of Justice has launched a series of online articles and videos to help people who are threatened with having their homes repossessed.

The advice at< gives advice from the first arrears right up to what happens at a court hearing.

It is suitable for both homeowners and people renting a home.

The Council of Mortgage Lenders (CML) has predicted that 65,000 homes will be repossessed by lenders as a result of mortgage arrears in 2009.

"The Government has taken considerable steps to ensure people struggling to pay their rent or mortgage get the help they need to stay in their homes," said Justice Minister Bridget Prentice.

"Mortgage repossession figures released earlier this month show that the number of people facing repossession has considerably reduced since this time last year, but we're not complacent."

The number of homes repossessed in the UK fell 10% in the three months from April to June, compared with the previous three months, according to the CML.

But the figure of 11,400 homes repossessed was up 14% compared with the same period the previous year.

The homelessness charity Shelter has warned of a second wave of home repossessions when interest rates rise.

It said that rising unemployment would also add to the risk of homeowners being unable to make their regular repayments in the coming months.<

anonymous (not verified)
anonymous's picture

Debts and arrears