After repossession

This section looks at your housing options after your lender has repossessed your home. It also explains what happens when your lender sells your home and what you can do if you are left with an outstanding debt after the sale.

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

  • Selling the property

    Once your lender has repossessed your home and you have moved out, your lender will sell your property to recover their money. You will still have responsibilities for the home until it is sold.

  • Paying off mortgage debt

    If the sale of your home doesn't cover the debt, you will owe the outstanding amount to your lender. They might go to court to get the money back, so check your rights.

  • Finding a new home

    After repossession, what are your housing options in Scotland? Your credit history is worth checking and you might want to speak to your council to see if they can house you.

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.

Was this page helpful?