Repossession Help

Facing repossession? You still have options.

If your lender has started proceedings, the court date isn’t the end of the road. There is still time to clear the mortgage, protect your equity and leave on your own terms — but only if you act now.

Get a free valuation How it works
Confidential No fees Complete in as little as 14 days

Even days before a hearing

We can intervene up to and including the week before a possession hearing. The earlier you call, the more we can do — but it’s rarely too late.

We deal with the lender

You don’t have to ring the bank again. Our solicitors speak to your lender, confirm the redemption figure and co-ordinate completion timelines.

Equity stays yours

If there’s equity in the property after clearing the mortgage, it belongs to you — not the lender and not us. We just help you realise it.

You’re not alone

Repossession is more common than you think

And the majority of people facing it can still avoid the worst outcome if they act early enough.

105,480
UK homeowner mortgages in arrears (Q4 2023) [1]
4,971
Mortgage possession claims issued in Q4 2023 [2]
~52 wks
Average time from claim to repossession [2]
6 yrs
How long a repossession stays on your credit file [3]

Your worries, answered

The things people actually worry about

We’ve spoken to enough people in this situation to know the fears that keep you awake at night. Here’s the reality.

The fear

“I’m going to lose everything — the house, my equity, the money I’ve paid in over the years.”

The truth

If there’s equity in your property, you keep it. The mortgage gets cleared, any remaining funds are yours. Our job is to make that happen fast enough that you don’t lose it to forced-sale costs.

The fear

“The court date is next week. It’s too late to do anything.”

The truth

An N244 application can suspend a possession hearing if we can show a credible sale is in progress. Our panel solicitor can prepare and file the N244 at our cost — you pay nothing. The sooner you call, the more options exist.

The fear

“My credit is already ruined — what’s the point?”

The truth

A voluntary sale that clears the mortgage does not show up as a repossession on your file. Your existing arrears are there for 6 years, but you don’t add the “property repossessed” marker — the single most damaging line on a credit report.

The fear

“I don’t want my family or neighbours to know what’s happening.”

The truth

We deal with you privately by email and phone. No “For Sale” board, no viewings, no open houses, no estate agent’s name on a flyer. Most completions happen without anyone beyond your solicitor knowing the reason for the sale.

Worked example

The difference it makes to your equity

This is an illustrative example showing how the two routes typically play out. Your numbers will be different, but the shape of it is almost always the same.

Scenario: £200,000 property, £140,000 mortgage debt

A three-bed semi in reasonable condition. The homeowner is 9 months in arrears, has a hearing scheduled and about £60,000 of equity on paper.

Route A: Let the lender sell

Property market value£200,000
Lender’s forced-sale price (~70%)£140,000
Mortgage redemption (inc. arrears + fees)− £140,000
Lender’s legal & possession costs− £6,000
Residual to you£0
Repossession flag on credit file6 years
Equity lost: £60,000 + damaged credit

Route B: Sell to us before the hearing

Property market value£200,000
Our cash offer (~82%)£164,000
Mortgage redemption− £140,000
Legal & conveyancing fees− £0 (we cover)
Residual to you£24,000
Repossession flag on credit fileNone
Equity retained: £24,000 + no repossession marker

Important: this is a hypothetical illustration, not a guarantee. Actual forced-sale prices, our offer percentages, and redemption figures will vary by property, location, condition, market conditions and your lender. We’ll walk you through your specific numbers in writing before you commit to anything.

How it works

From first call to cleared mortgage

We’ve built this process specifically for people under time pressure. Each step has a clear timescale and a clear purpose.

  1. Tell us where you are

    Day 1 · 15 minutes

    Fill in the form or email us. Share the basics: property, mortgage, arrears, court date (if any). You don’t need to have anything perfect — estimates are fine. We’ll read it personally and reply by email.

    You feel: heard, not processed. Everything stays confidential.

  2. Indicative cash offer

    Within 72 hours

    We send an indicative cash offer by email, based on your postcode, property details and recent comparable sales. This gives you a clear ballpark to work with before you share the full address.

    You feel: clarity. A number on paper, not a range or a hype-tactic.

  3. We contact your lender

    Day 4–5

    With your permission, our panel solicitor contacts your lender to request the formal redemption statement. We explain that a genuine sale is in progress. Most lenders will pause enforcement action while contracts are exchanged.

    You feel: relief. Someone else is making the hardest calls for you.

  4. RICS valuation & formal offer

    Day 5–8

    An independent RICS surveyor visits the property at our cost. We then issue a formal written cash offer confirming the final price. You can instruct your own solicitor (we pay for that too), or use ours.

    You feel: in control. The number is in writing. No last-minute changes.

  5. N244 application if needed

    In parallel

    If a possession hearing is scheduled, our panel solicitor can prepare and file an N244 application to suspend or adjourn it, evidencing the live sale — at our cost, not yours. In most cases the court is willing to give a short extension when there is a credible buyer in place with exchange imminent.

    You feel: protected. The court process is being handled, not ignored.

  6. Exchange & completion

    Day 10–21

    Contracts exchange, mortgage is redeemed direct to your lender, any remaining equity is transferred to your account. Your possession claim is withdrawn. Keys handed over on an agreed date.

    You feel: free. A heavy weight lifted, and an actual way forward.

Free independent help

Other places you can turn

Whether you sell to us or not, these free and independent organisations specialise in helping people facing repossession. Please use them — they are excellent.

Shelter

Free housing advice and emergency support if rehousing is a worry.

shelter.org.uk →

Citizens Advice

Your legal rights when a lender starts proceedings. Free, confidential.

citizensadvice.org.uk →

StepChange

Free debt advice if the mortgage arrears are part of a wider problem.

stepchange.org →

National Debtline

Free phone advice on bailiffs, court orders and what your lender can do.

0808 808 4000 →

MoneyHelper

Government-backed free guidance on mortgages, budgeting and housing costs.

moneyhelper.org.uk →

Mind

Mental health support. Dealing with repossession is genuinely exhausting — don’t do it alone.

mind.org.uk →

Don’t wait for the court date

If you have a hearing scheduled, every day matters. Let us take a look at your property, give you a cash figure in writing, and show you exactly what you’d walk away with. No obligation at any stage.

Request a free valuation

Private · no fees · no pressure · you can stop at any point