If you're struggling to pay your mortgage, you might be thinking about using a ‘sale and rent back’ scheme. This is when you sell your home to a private company and rent it back from them. These schemes are also known as ‘buy back’ or ‘sale and lease back’.  Sale and rent back schemes can be risky. You should check what other options you have before using one. Check if you have other options You should get help to deal with your mortgage debts so you can try to keep your property. If you need to sell your home, you might be better off selling it on the open market and finding somewhere else...

If you’ve been struggling to keep up your mortgage payments, you may have started to build up a debt. This is often called mortgage arrears.  You might be in debt because you missed one or more monthly payments or you’re paying less money each month than your monthly payment. You’ll need to work out a way to pay back what you owe. If the debt continues to build up, your lender will take you to court and you might end up losing your home. Your mortgage lender will contact you if you owe them money - make sure you don’t ignore them. Explain your situation and tell them you’re trying to work...

If you're finding it hard to pay your mortgage, you might be able to: reduce your household costs or increase the money you have coming in switch to a cheaper mortgage deal reduce your mortgage payments reduce payments on a shared ownership property change payments on your endowment policy The cost of living crisis is making it hard to find new mortgage deals at the moment. This means you might not be able to save money by making changes to your mortgage. You should look at your household budget regularly to see if you can save money in other ways. Look at your...