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Debt help if you owe rent, mortgage payments or council tax

Housing debts include rent or mortgage repayments. Understandably this type of debt can be the most concerning.

Staying in your home – whether rented or mortgaged – is a priority, which is why you should pay these debts above all others and seek debt help immediately.

Debt help tips for tackling housing debt:

    • If you’re on a low income, you may be eligible for Government help with your mortgage payments. You can find out more about Mortgage Interest (SMI) payments here.
    • If you’re renting you should get in touch with your landlord, housing association or council as soon as possible. You should also make yourself aware of your tenant rights.

Worried about debts that won't go away?

  • If you own your own home, contact your mortgage lender to see whether they can provide debt help.
  • If you’ve been told that you are facing eviction or repossession, you should seek debt help immediately. You can use a charity-based service, such as StepChange or Citizens Advice, or you can contact a debt agency.

Ready to seek debt help? Talk with the National Debt Help team on 0800 002 9051.

*An Individual Voluntary Arrangement (‘IVA’) is subject to the customer meeting qualifying criteria and gaining creditor acceptance. Monthly IVA payments include fees and may differ to the example provided, based on the assessment made of your own personal circumstances – these fees will be clearly explained to you in writing by your IVA company. Debt write off amounts are subject to creditor acceptance and vary by individual customer based on their own financial circumstances, and are applied upon successful IVA completion.

Substantiation example, Someone owes £60,000, they pay £100 over 60 months which equals £6000, write off amount would be £54,000 which is 90% of total debt level. Upon submitting your details on this website we will pass your details to one of our approved partners as this website does not give any advice.

Free debt counseling, debt adjusting and credit information services are available from the Money Advice Service.

National Debt Help
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