Testimonials from satisfied clients.

Here’s how the National Repossession Helpline works. You control the process, every step of the way.

First, you decide to give us a call. It’s a free phone number, so it costs you nothing. The number is 0800 634 8675.

Our specially trained, friendly staff will sympathetically talk through the nature of your problem and take a few details to help us decide on the best person to help you.

Then, usually in an hour or so, that person will call you back for a more detailed chat. Once he or she has established your personal wishes they’ll go through the options you have.

You may have questions, and if so they’ll research the answers and get back to you. What happens next depends on the decision you reach after hearing those options. You can decide to do nothing, and seek further advice, perhaps. Or, you can ask your Adviser to help resolve the problem.

He can, for instance, offer to buy your house, usually within a month to prevent foreclosure, as it’s called, by your mortgage lender. This will enable you to pay off the outstanding mortgage and arrears. The price offered will not be the full market rate, but will typically be 75-90% of it depending on circumstances.

You save on agents fees, and on the cost of further debt incurred while waiting for a sale that could easily take months, plus you avoid repossession, which is the main point, so the real world difference is often not that much.

You can decide to leave your home, perhaps to buy somewhere cheaper, or you can agree with the buyer to rent it from them. This option keeps you in your own home and is many people’s preferred solution, at least until they get back on their feet financially.

Alternatively, you may decide that you want to remain the homeowner. Here, for example, it may be possible for the Adviser to arrange to take an option on your property (in effect this is buying a part of the proceeds when it is sold in the future), in return for which they pay off your mortgage arrears.

It’s important to know that you’ll be able to avoid getting into arrears in the future if you’re taking this step, but it does suit some people, particularly when arrears have built up due to illness or unemployment that have now been put behind you, but the underlying financial position is strong.

Whatever you decide, once you take our advice and decide to act we stay with you throughout the process, until your mortgage arrears are paid off.

What we do: