Mortgage Repossession Proceedings

Your home may be repossessed if you cannot keep up with your mortgage payments.

Before a mortgage lender can repossess your home, they must:

  • Tell you how much you owe
  • Consider a request from you to change the way you pay your mortgage
  • Respond to any offer of payment you make
  • Give you reasons for turning down your offer of payment within 10 days
  • Give you a reasonable amount of time to consider any proposal they make
  • Give you 15 days’ written warning if they plan to start court action
  • Tell you the date and time of a repossession hearing
  • Let your council know within 5 days of getting notification of the date of the court hearing, in case you need to apply to the council as homeless

If your home is at risk of being repossessed by the mortgage lender or your mortgage lender starts a court action, we can assist you to try to reach an agreement with them. If your lender starts a repossession action against you, we are able to provide legal representation in the court proceedings.

Chris Alexander Solicitors offers Legal Aid to eligible individuals in relation to housing matters.

Legal aid can help meet the costs of legal advice and representation in a court or tribunal. You will need to show that:

  • your case is eligible for legal aid 
  • the problem is serious 
  • you cannot afford to pay for legal costs

You could for example get legal aid if .

  • you or your family are at risk of abuse or serious harm, for example domestic violence or forced marriage  
  • you are at risk of homelessness or losing your home

For further advice and information and on funding your matter, contact us on 02085944469 or email address