Paying for a home
This content applies to Scotland only.
Housing laws vary between Scotland and England. Get advice relating to England
This section contains information about housing money matters, including rent, deposits and rent arrears, mortgages and mortgage arrears, council tax, benefits to help with housing costs and advice on what to do if you get into debt.
Whatever your situation, you should get advice immediately if you are having problems paying for your accommodation. Contact the National Debtline or use the Advice Services Directory to find a Shelter advice centre or Citizens Advice in your area.
This section looks at how you pay rent and what you can do if your rent goes up or you can't afford to pay your rent.
If you have rent arrears, your landlord could take legal action to have you evicted from your home. This section looks at different ways to deal with your rent arrears and avoid eviction.
Most private landlords or letting agents ask for a deposit if you're renting.Find out what a deposit's for, help to pay your deposit, and what to do if you have trouble getting your deposit back.
If you buy a home you'll probably get a mortgage to pay for it. Find out what you should consider when choosing a mortgage and how common problems can be dealt with.
If you fall behind with your mortgage payments you could risk losing your home. This section has advice on what you can do if you are having problems paying your mortgage.
As well as your mortgage, there are other costs you need to factor in when buying your home. This section looks at the cost of your deposit, insurance, stamp duty and registration fees.
Other costs involved when you live in rented accommodation or own your own home. Unfortunately your rent or mortgage is only the start of it!
You can get care and support if you're living in your own home, in sheltered accommodation or in a care home. Find different ways to pay for care and support and what help is available.
Whether you own or rent your home, you may have to pay council tax. Find out who has to pay council tax, how much you will have to pay and what to do if you fall into council tax arrears.
If you rent your home and have a low income, or get welfare benefits, you may be entitled to housing benefit to help pay your rent.
Changes to welfare benefits in 2013 may mean that your benefits will be reduced, find out if these changes will affect you.
Find benefits, grants and loans for housing costs. There's financial help for students, parents, care leavers, disabled people and young people, and advice on getting help to pay for heating.
Find out what benefits and financial support your disability and other circumstances makes you eligible for.
The rules for claiming benefits can be different if you're under 18. Find out more about benefits for young people.
Care leavers are entitled to certain support and benefits such as community care grant, a budgeting or crisis loans. This page outlines the benefits and support that care leavers are entitled to.
This page looks at loans and grants available to students, including student loans, bursaries and sponsorship.
How you can get help with housing costs if you are a parent or responsible for bringing up a child. There's also advice on working out which benefits you can claim and other means of support.
This section looks at rent issues for crofting tenants, and at financial support available for crofting tenants and owner-occupiers.
How to reduce how much you spend on heating during the winter. If you are elderly, disabled or on a low income, you may get some help to pay your bills.
If you want to manage your money, drawing up a budget will really help. Find out what budgeting is and get resources to support you in looking after your finances
With credit cards, overdrafts and bank loans readily available, debt can mount up. Most housing problems start because of financial difficulties, so if you do get into debt, do take action as soon as possible.