If you are facing repossession it can be helpful to break down each section to see whether there is a way to avoid it, or at least soften the blow.

Read through our 5 step repossession process to understand what you will expect, and read through the selected guides to find ways to help you along the way.

What preventative steps can you take?

If you are struggling to keep up with your mortgage payments because of an unexpected expense that has come up in your personal life, or you're struggling to adjust to an increased rate on your mortgage then read our guide How To Take A Mortgage Payment Holiday for ways to help you before reaching court.

Step 1: Missed mortgage payments

If you miss your monthly payments, resulting in mortgage arrears, you will receive a letter promptly from your lender asking you to pay the money you owe. If you can't afford to pay your mortgage arrears then you are best speaking to your lender to find a way to resolve the missing payments.

If you are struggling to keep up with your mortgage payments you can find out what to do by reading our guide What Should I Do If I Can't Pay My Mortgage.

Step 2: Attending court

If your mortgage lender doesn't accept your terms for repaying the arrears then they can choose to file for a court hearing to retrieve the funds - they can't repossess your home without the permission of a court.

Once this has been filed you will receive a letter in the post inviting you to attend a hearing.

The court hearing will allow you to explain why you've missed your mortgage payments and how you plan to pay the money owed - so if you can you should attend otherwise the judge will only hear the side of the lender meaning you have a much higher chance of having your home repossessed.

Step 3: Judge makes a decision

At the hearing, the judge will listen to both you and the lenders sides before making a decision on your case. If the judge does not see a viable resolution, meaning they are not convinced you have the ability to repay the arrears then the decision will likely be an order of repossession.

Step 4: Moving out

You will need to leave the property by a date set by the court for your repossession.

If you choose to stay in your property after the order of repossession has been given, bailiffs will have a legal obligation to remove you from the property.

Step 5: Your home is sold

Once you have been removed from the property you home will be sold by the lender in hope of recouping the funds they have lost through your arrears. If the property is sold for more than what is owed to the lender then the difference will be paid to you.

If there is a shortfall from the sale then you will still owe your lender the remaining funds and will have to negotiate with them a way to pay the outstanding debt.

Where can you go for help?


Don't ever think you have to tackle repossession on your own.

There are several companies and charities available for you to speak to for guidance and support at each step of the repossession process, including: