Preventing repossession

This content applies to Scotland only.

Housing laws vary between Scotland and England. This page applies to Scotland only. Get advice relating to England

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, or apply for a court order to stop or delay the repossession.

Preventing court action

If you can't pay your mortgage or any other loan secured on your home, your lender can take legal action to get back the money you owe. This page looks at how you may be able to stop the repossession before your lender takes you to court. Read more 

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. Read more 

Section 2 orders

In certain circumstances you may be able to ask the sheriff court to make an order preventing your lender from repossessing your home and giving you time to pay your arrears. If your home is to be repossessed, you can ask for an order allowing you time to find alternative accommodation before you have to leave. Read more