It is very important to seek advice immediately if you are finding it difficult to pay your mortgage or secured loan. Mortgage arrears will not automatically lead to your home being repossessed. However it is essential to act quickly and take control before mortgage arrears escalate out of control. It is never too early or too late to contact your mortgage provider.
Even if you have other debts, it is important to pay as much as you can towards your mortgage. You may not have made payments for a while, or may not be able to pay the full contractual amount, but you should start paying as much as you can afford. It's helpful to try and prevent the arrears increasing any further and it will also show the lender that you are serious about dealing with the situation. The more your mortgage arrears escalate, the more likely it is that your home is at risk. Paying your mortgage should be a top priority.