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Debt help and advice

Mortgage debt can be frightening. With monthly repayments due, arrears can quickly stack up.

You should speak directly to your mortgage lender, as depending upon the circumstances they can help alleviate some of the burden.

The following specialist advice agencies are also a good port of call for borrowers affect by mortgage worry or debt.

  • The Financial Services Authority (FSA) is the mortgage industry regulator, and publishes a variety of guides relating to mortgage repayments. This includes helpful advice on what to do should you be unable to pay off your mortgage
  • Citizens Advice can help all consumers with housing problems and money problems.
  • The National Debtline is a charity that offers free, independent and confidential advice including on mortgage arrears.
  • The Consumer Credit Counselling Service (CCCS) is a charity that provides assistance in dealing with all kinds of debt.
  • Shelter is a housing and homelessness charity with a variety of guides to avoiding repossession and mortgage arrears. Its website is information packed and useful to those borrowers who are worrying about their mortgage.
 
 
Lender Initial Rate Duration Standard Rate Overall Cost For Comparison Max Loan To Value Fee
2.59% 2 years 5.69% 5.4% APR 75% £999
2.69% 2 years 4.99% 4.9% APR 75% £495
2.79% 2 years 4.99% 5% APR 75% £795
2.94% 2 Years 5.69% 5.4% APR 75% £199
2.99% 2 years 4.99% 4.9% APR 85% £495
2.99% 3 years 4.99% 4.6% APR 70% £499
3.0% 2 years 5.69% 5.5% APR 80% £999
3.19% 5 Years 4.79% 4.2% APR 80% £995
3.5% 2 years 5.49% 5.1% APR 75% £595
3.84% 2 years 3.94% 4% APR 90% Nil
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