If your lender plans to repossess your home, they must tell us before they start court action. This is a legal duty in Scotland.

Get help early

Contact us as soon as possible if you are worried about losing your home. We can:

• explain your options
• offer support
• help prevent homelessness

What repossession means

Repossession is when your lender goes to court to take back your home because of unpaid mortgage debt. You may be able to:

• delay repossession
• stop repossession

Get free advice

You can get free, expert advice from:

Shelter Scotland

Call: 0808 800 4444 (Monday to Friday, 9am to 5pm)
Visit: Shelter Scotland website

They can help you:

• deal with mortgage arrears
• understand the repossession process
• speak to your lender
• understand your rights
• apply to the court to delay or stop repossession

Fife Law Centre

Visit: Fifelawcentre.co.uk

They can give legal advice about your situation.

Other support options

Homeowners’ Support Fund

You may be able to get help from the Scottish Government if you are at risk of repossession. There are 2 schemes:

• Mortgage to Shared Equity - where the Scottish Government buys a share of your home to reduce your mortgage
• Mortgage to Rent - where a social landlord buys your home but you stay there as a tenant

Find out more on mygov.scot - Homeowners’ Support Fund.

Help with mortgage interest

If you get certain benefits, you may get help to pay mortgage interest through the Support for Mortgage Interest (SMI) scheme.

This can help pay:

• mortgage interest
• some home improvement loans

Visit mygov.scot - Support for Mortgage Interest.

Consider your housing options

You can complete a Housing Options Plan (HOP) to explore your choices.
It:

• asks about your situation
• takes about 15 to 20 minutes
• gives you options to help with your housing

If you apply for social housing, you may wait a long time. It is important to look at all your options.