Whether you own your home, rent privately or live in social housing, we can give you advice to help you stay in your home, such as:
- managing debts
- understanding your rights
- finding financial support
If you own your home
Your rights as a homeowner
You cannot be evicted without a court order. Your mortgage lender or the freeholder if applicable must follow legal steps. Even if court action has begun, it's not too late to get help.
Take action now
Speak to your lender
Let them know about your situation so they can work with you to find a solution, such as:
- temporary payment holidays
- switching to interest-only payments
- extending the mortgage term
- reducing payments for a short period
Seek independent advice
Free, confidential advice is available from local organisations that can help you with:
- budgeting and managing debts
- checking benefit entitlements
- negotiating with lenders
If you rent privately
If you're experiencing financial difficulties, support can help you speak with your landlord, set up a manageable payment plan and explore any benefits you may be entitled to.
If you’ve been given notice to leave
If you’ve been asked to leave your home, it’s important to know your rights. Our Tenancy Relations Service:
- offers expert guidance
- checks whether the notice is legal
- supports you with next steps
Visit our Tenancy Relations Services
If you live in social housing
Rent arrears
If you’re struggling to pay your rent or have fallen into arrears, contact the Rents Service as soon as possible. We are here to work with you and find solutions to help you stay in your home.
Anti-social behaviour
You could lose your home if you’re in breach of your tenancy agreement due to anti-social behaviour. When we will use informal actions first to resolve issues at an early stage.
Anti-social behaviour on Shelter
Cost of living support
You may be able to get support with household costs such as energy bills, food and rent:
- Household Support Fund: grants for essentials like food and energy bills
- Local Assistance Scheme: emergency grants for unexpected expenses
- benefits and financial help: guidance on Universal Credit, Housing Benefit and more