Local councils have legal duties to help and advise people who are homeless or about to lose their homes. They may be able to help prevent you from becoming homeless, provide emergency accommodation and, in some cases, help you find longer term accommodation.
The rules on what sort of help the council must give you are complicated. Your rights depend on your personal circumstances. Read our pages on homelessness for more information.
If the council tells you that you are intentionally homeless because you didn’t pay your mortgage, the council will only have to help you for a limited time. If this happens get help from Shelter Cymru immediately.
An adviser may be able to help you persuade the council that you did everything you could to keep your home. Most councils are more likely to accept this if you had difficulty paying your mortgage because you lost your job, split up with your partner or became ill.
In some circumstances, where your household includes children or young people, the council may also have a duty to secure accommodation even if they have decided that you are intentionally homeless. For a full description of the circumstances when the council have to provide this help even if you are intentionally homeless, please see our advice here.
Some people can get help from social services, even if the housing department won’t help them. Get help from Shelter Cymru to check whether this applies to you.