I am having problems paying my mortgage

If you have fallen into arrears with your mortgage and are worried that your home will be repossessed, the first thing you should do is contact your mortgage lender.

If you are unable to agree an affordable repayment plan with your lender the following services may be able to help with your situation:

• CAB 1066 can provide financial advice about your mortgage
• BHT Hastings Advice delivers a 'duty advice desk' which provides homeowners facing repossession with free legal advice and representation at court before a hearing
• Shelter has a range of information for homeowners who are in danger of losing their homes, including tackling mortgage arrears, negotiating with lenders, reducing your monthly mortgage repayments and renting or selling your home
• Civil Legal Advice (CLA) can help with legal aid in a range of areas, including debt, if your home is at risk. Telephone 0845 345 4345

The National Homelessness Advice Service has also produced a leaflet:

• Are you worried about your mortgage?

If you feel you need local housing support to help you manage the issues associated with your mortgage, then the Home Works or STEPS services may be able to help you:

• Home Works provides tailored support for people aged between 16 and 64. Telephone 01273 898700, text 07773 377 754 or email referrals@home-works.org.uk
• STEPS provides specialist support for people aged 65+. Telephone 03001232422 or email referrals@stepseast.co.uk