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Mortgages

Almost everyone who buys their own home gets a mortgage to pay for it. This section covers the things you should consider when getting a mortgage and how common problems can be dealt with.

There are many different types of mortgages, and it's important to understand how they work so you can choose one that suits your needs. If you think you've chosen the wrong mortgage, it may be possible to switch to a new one. If you have problems making your monthly repayments it's important to take action as quickly as possible, or you could risk losing your home.

If you are having difficulty paying your mortgage, you can get free independent advice from a Shelter advice centre, Citizens Advice or other advice centre. Use the Advice Services Directory to find one in your area.

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

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