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What happens if you are in arrears on secured loans and second mortgages

If you miss payments for several months to your secured loan or second mortgage, your lender could take action to repossess and sell your home. This section explains more about the procedure your lender must follow and action that you can take to delay or prevent your home from being repossessed. This procedure is slightly different to the standard repossession process and how many months of mortgage arrears it takes before repossession depends on your individual case.

Scotland map Housing laws differ between Scotland and England.
This content applies to Scotland only.
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