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Mortgage repossession

If you do not keep up with payments on your mortgage or secured loan, your home can be repossessed. This allows your lender to sell your home to recover what you owe them.

There’s a strict repossession process your lender must follow before they can do this. Repossessing your home should always be their last resort.

You can negotiate with your lender at every stage to prevent repossession and keep your home. A money and debt adviser can help you to negotiate and propose a repayment plan.

Last updated: 17 March 2023

Housing laws differ between Scotland and England.

This content applies to Scotland only.

Get advice if you're in England