Can You Sell a House With Mortgage Arrears in the UK?

If you are struggling to keep up with your mortgage and have already fallen into arrears, you may start considering whether selling the property could resolve the situation. One of the most common questions in this position is: Can you sell a house with mortgage...

How Long Do Mortgage Arrears Stay on Your Credit File in the UK?

Mortgage arrears can affect much more than the immediate relationship between a borrower and their lender. Missed or late mortgage payments can be recorded on a credit file and may affect future applications for mortgages, loans and other forms of credit. One of the...

Can Mortgage Arrears Be Added to Your Mortgage Balance in the UK?

Falling into mortgage arrears can create immediate financial pressure, particularly when the amount owed continues to increase while you are trying to keep up with your normal monthly mortgage payments. One option that may sometimes be considered is to add the...

Can a Mortgage Lender Take You to Court for Arrears in the UK?

If you have fallen behind with your mortgage payments, you may eventually receive a warning that your lender is considering court action. For many homeowners and landlords, receiving a letter mentioning court proceedings can be extremely worrying. It can also be...

What Happens If You Cannot Afford Your Mortgage Payment in the UK?

If you are struggling to afford your mortgage payment, it is important to deal with the situation as early as possible. A mortgage payment problem can start as a temporary financial difficulty but become more serious if payments are missed and arrears begin to...