Your rent or mortgage outgoings are likely the biggest payments you must make each month, but if you’re struggling to meet them, try not to panic.
Talk to your mortgage provider about your situation as soon as you can if you’re struggling
Moneysavingexpert.com has a comprehensive guide that shows you how to protect your mortgage (home loan) if you’re finding things difficult, including information on what help is available. Access the guide here.
Citizens Advice have this web area dedicated to mortgage problems
The debt charity StepChange has this information on mortgage arrears (missed payments)
Talk to your landlord about your situation as soon as you can if you’re struggling
If you rent from your local council or housing association, read this guidance from Citizens Advice
If you rent from a private landlord, read this guidance from Citizens Advice
COUNCIL TAX: If you are struggling with the cost of Council Tax, check if your local authority has a discretionary Council Tax scheme and whether you are entitled to any discounts. You can also ask your local authority to spread the cost of your Council Tax over 12 months instead of 10 months.