Preventing repossession

If your home is at risk of being repossessed, there are options that you can try to prevent this from happening. This section looks at how you might be able to prevent court action, depending on your situation. You may be able to negotiate a repayment arrangement with your lender.

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

  • Preventing court action

    If you can't pay your mortgage or any other loan secured on your home, the lender can take legal action. Find out how to stop the repossession before your lender takes you to court.

  • Repayment arrangements

    If you have fallen into arrears with your mortgage or loan payments, you may be able to make an arrangement with your lender to repay your arrears in instalments over a period of time.

  • Section 2 orders

    Before 30 September 2010 you could ask the sheriff court to make an order preventing your lender from repossessing your home and giving you time to pay your arrears.

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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