Coronavirus (COVID-19)

Many people are worried about Coronavirus (COVID-19) and how this could affect their housing. Click here to find out what COVID-19 means for you.

Mortgage repossession

If you are facing repossession by your lender then it is important to get advice straight away. It may be possible to stop the process at any stage. These pages will help you think about your options.

You can also download our:

For urgent advice please call our expert housing advice helpline on 08000 495 495

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

CORONAVIRUS UPDATE

Courts are open and mortgage possession cases are taking place. Some hearings might be dealt with by telephone or a video link. Make sure you contact the court if you are worried about going to the court because of coronavirus.

Some new stages in the possession process were introduced during the pandemic. These included:

Reactivation Notices: if your lender started court proceedings before 3 August 2020 the case was probably put on hold for a time. If your lender wanted to re-start the case they had to send a Reactivation Notice to you and the court, giving information about the impact coronavirus had on you and your family. Make sure you tell your lender straight away if you are struggling because of coronavirus, for example, if your income has reduced and you cannot pay your mortgage. It is best to do this in an email. After the 1 December 2021 there will no longer be a need for a Reactivation Notice.

Review Date: up until 1 November 2021 the court had to set a Review Date 4 weeks before a possession hearing, so that the judge could review the papers and see if an agreement could be reached before a court hearing took place. Review Dates are no longer required but some courts might decide to continue with them. If you receive notice of a Review Date speak to an adviser as soon as you can. You might be able to get legal help on the day.

Bailiff eviction: bailiffs in Wales were banned from carrying out evictions during the pandemic. This ban ended on the 30 June 2021. From that date bailiffs have been able to carry out evictions regardless of the reason for eviction.

Always get advice if possession proceedings have started against you. You could still lose your home during the pandemic.

If you are struggling to pay your mortgage because of coronavirus you might be able to get some support from your lender. Click here for more information.

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 08000 495 495.

Did you find this helpful?

This page was last updated on: November 24, 2021

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.

Font Resize