Mortgage repossession

If you are struggling to pay your mortgage, are in arrears and/or are facing repossession then it is important to seek advice immediately. Repossession doesn’t happen automatically. It may be possible to stop the process at any stage. These pages will help you think about your options.

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Contact us

For urgent advice please call our expert housing advice helpline on 0345 075 5005

or, for non-urgent enquiries please use our email advice service. An adviser will aim to reply to emails within five working days.

Advice near you

Advice near you
Shelter Cymru operate numerous advice centres and surgeries across Wales. To find out when there is an adviser in your area, visit advice near you and find your local area.

Preventing court action

Lenders can take legal action to evict you from your property but it may be possible to avoid going to court.

Going to court

What happens and what you need to do if your lender has taken court action to repossess your home.

Can I stay in my home?

Whether you can stay in your home will depend on the type of decision the court makes.

Ordered to leave

If the court has ordered you to leave your home, and you haven’t spoken to an adviser yet, do so immediately.

Accommodation after repossession

If your home is repossessed and you can’t delay or stop the eviction, you will need to find alternative accommodation.

Sale by mortgage lender

If your home is repossessed, it will probably be sold by your lender to pay off your debts.

Paying off mortgage debt

If the money from the sale of your home isn’t enough to cover your debts, you will still owe the outstanding amount.

Repossession by landlord’s lender

Your landlord’s lender may try to repossess the property you are renting if your landlord does not keep up with their mortgage payments.

We are sorry that we cannot provide this information in Welsh, however if you would like to speak to an adviser in Welsh please contact 0345 075 5005.

Shelter Cymru acknowledges the support of Shelter in allowing us to adapt their content. The information contained on this site is updated and maintained by Shelter Cymru and only gives general guidance on the law in Wales. It should not be regarded or relied upon as a complete or authoritative statement of the law.

This page was last updated on: October 1, 2018

Shelter Cymru acknowledges the support of Shelter in allowing us to adapt their content. The information contained on this site is updated and maintained by Shelter Cymru and only gives general guidance on the law in Wales. It should not be regarded or relied upon as a complete or authoritative statement of the law.