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.
You can also download our:
- ‘How to cope with mortgage arrears’ booklet
- ‘Worried about your mortgage?’ fact sheet.
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
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.
How you can help
If you’ve had a bad housing experience, share your story with Shelter Cymru to help our work.
Make a donation so that our services can help individuals and families keep and find a home.
Sign our petition to End ‘No Fault’ Evictions in Wales.
