Mortgage arrears or financial difficulties

If you can't meet your mortgage repayment and are starting to fall behind, it is important that you contact your lender as soon as possible. You can also get free independent advice and information from Housing Services at Havant Borough Council about how to keep your home.

Sometimes when your circumstances change - for example you work less hours, become sick, have high bills to pay or have a relationship breakdown - life seems impossible. Don't let your debt problems get on top of you. Get the advice and help you need to prevent you from losing your home.

We strongly recommended that you seek advice as soon as possible. A list of helpful organisations is available on the right hand side of this page.

You should be aware that there are other companies that charge a fee for managing your debts. It is your responsibility to check the fees that may be charged before asking those companies to act on your behalf.