The housing and homelessness charity

Shelter Scotland / England

Repossession of your home

If you have fallen behind with the mortgage repayments or other secured loans, then you risk losing your home. Your mortgage lender may take court action to repossess your home if you are in arrears. Repossession of your home can be stopped.

Housing laws differ between Scotland and England
This content applies to Scotland only
Get advice if you're in England

  • Reasons for repossession

    Mortgage arrears, arrears on secured loans or bankruptcy are all reasons a home may be repossessed. Check your options if you're at risk from repossession.

  • Repossession procedures

    Find out what happens if you are facing court action for the repossession of your home and what you could do to prevent losing your home.

  • Preventing repossession

    If your home is at risk of repossession, you can try to prevent this. You might be able to prevent court action, negotiate a repayment arrangement.

  • Court action and repossession

    If your home is being repossessed then your lender will have to take you to court. This section tells you all you need to know about the repossession process.

  • Eviction

    You can only be forced to leave (evicted) if your lender has a warrant of ejection. They cannot make you leave with just a court order to sell your home.

  • After repossession

    Your housing options after your home been repossessed. What happens to the debt when your lender sells your home. Find out more here.

  • Secured loans and second mortgages

    Missed payments to your secured loan or second mortgage, could mean your lender can start to repossess your home. Find out what actions you can take.

  • Tenants and partners

    Partners and tenants may be able to prevent or delay a repossession even if they are not the borrower. A court should let you know if repossession is happening.

Speak to a Shelter Scotland adviser

Call Shelter Scotland's free housing advice helpline

0808 800 4444
9am-5pm, Monday to Friday

Email an adviser

You can also email a housing adviser. We aim to respond within three working days.

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