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View our coronavirus (COVID-19) housing advice

Mortgage arrears

First thing you should do is claim on mortgage payment protection insurance if you have it.

The UK government announced on 17 March 2020 that mortgage lenders will allow payment breaks of 3 months for those struggling to meet payments.

Mortgage lenders have also announced they won't apply to court to repossess homeowners, including BTL mortgages, for 3 months starting from 19 March 2020.

Some mortgage providers are introducing other support for customers whose income is affected by the coronavirus outbreak. including:

  • no fees for late payments
  • reduced or deferred payments
  • switching to a lower interest rate

Speak to your lender to find out what support they’re offering.

Find out more on our page on mortgage arrears.

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This content applies to Scotland only.
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