House Repossession - Support and advice (England)

Your lender may seek to repossess your home if you are in mortgage arrears. However, you may be able to prevent court action by negotiating with your lender. Visit Shelter's website for detailed advice about repossession, including ways to prevent it and court action.

Legal advice is available if you are at risk of having your property repossessed, and you may be eligible to get legal aid to pay for your legal advice.

Before any court action can be pursued, your lender must follow certain steps to help you keep your home. They must tell you exactly how much you owe along with any associated interest costs, and consider a request to change the way you pay your mortgage. You may be able to prevent court action by negotiating with your lender. Shelter details the rules your mortgage lender must follow before going to court.

See more from Shelter:

Going to court does not mean you will definitely lose your home. Citizens Advice offers information on what you need to prepare for the court case. Visit the Citizens Advice website for further information about mortgage problems and repossession. You can also visit GOV.UK for information about finding a solicitor to represent you in court.

Where can I get help?

The RAF Benevolent Fund (RAFBF)

The RAF Benevolent Fund (RAFBF) has a strong tradition of looking after the RAF Family in the UK and overseas. They support all serving and former members of the RAF as well as their partners and dependent children. They may be able to give you financial assistance if you're unable to pay your mortgage. For support, contact:

Telephone: 0800 169 2942
Website: RAFBF
Email: WelfareServices@rafbf.org.uk

Seafarers' Advice and Information Line (SAIL)

Seafarers' Advice and Information Line (SAIL) is the only Citizens Advice dedicated to Naval Service Veterans. They provide expert telephone and email advice on housing issues, including repossession. For more information, contact:

Helpline: 0800 160 1842
Website: SAIL
Email: advice@sailine.org.uk

Veterans' Gateway - Access to Housing Advice

The Veterans' Housing Advice service, initially provided by the Cobseo group of charities, and delivered by The Royal British Legion, Connect Assist and Shelter, has now been merged into Veterans' Gateway. The service is accessible 24/7 and supported by a resident housing specialist located at the Contact Centre.

The team aim to support veterans in finding, securing or maintaining accommodation by utilising the skills and resources of the Cobseo Housing Cluster, local authority contacts and other housing providers. Information can be accessed by telephone, email, live chat, social media, and on the website by visiting Veterans' Gateway/Self Help/Housing.

For more information, contact:
Telephone: 0808 802 1212 (Freephone 24/7)
Email: Via contact form
Website: Veterans' Gateway/Self Help. Please select housing to see all options.

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