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Mortgage Arrears

How to avoid getting into mortgage arrears. Solutions for dealing with your existing mortgage arrears. What help should your mortgage company offer?

What is the Mortgage Pre Action Protocol?

What is the aim of the Mortgage Pre Action Protocol? How will the Protocol help home owners? Is the Mortgage Pre Action Protocol working?

If you go Bankrupt it may be harder to keep your home

Rules about how much you must pay to buy the beneficial interest in your home after Bankruptcy. Will the OR accept offers? Can the OR issue charging orders?

Can I go Bankrupt and write off debt after repossession?

A mortgage shortfall is written off in Bankruptcy. What are the other options. Is it sensible to go bankrupt? Can Bankruptcy help after voluntary repossession?

Can I do an IVA if my house is in negative equity?

Is an IVA possible if your property is in negative equity? What if there is still negative equity at the end? What if the amount of equity has increased?