Help with your existing mortgage
You may get help through the Mortgage Rescue scheme if you are facing repossession and at risk of becoming homeless. To be eligible for the scheme your household must include someone in priority need. This could be a pregnant woman, someone with dependent children or someone who is vulnerable because of old age or a physical or mental impairment.
You would also need to meet the following criteria:
- All owners of your home must agree to be considered for the Mortgage Rescue scheme
- You must have received debt counselling and advice and agreed to arrangements to repay your debts
- You should have discussed all other options to meet your repayments with your bank or mortgage lender
- Your household must earn less than £60,000 a year
- The value of your home will need to be taken in to consideration. There are limits and you will need to contact us in order to find out what the current limits are.
- You must have a clear need to stay in your home, which means it is not practical or reasonable to move somewhere smaller or cheaper
- Your home must be suitable for your needs, for example it is not overcrowded with too many people sharing the same space
- You shouldn’t own a second home, including a home abroad
- The value of the part of your home that you own must be enough to pay off any outstanding debts
We work with the Citizens Advice Bureau who can provide money and benefits advice if you cannot afford your rent or mortgage payments.
For more information, please use the following link to 
Mortgage Rescue scheme leaflet (application/pdf; 59kB).