Debt Advice - Useful Links

The following specialist advice agencies may be able to help borrowers dealing with mortgage worry or mortgage stress.

If you cannot meet your mortgage repayments, or you are worried that you will not be able to in the future, consider speaking to one of the following mortgage debt advice agencies.

Speaking directly to your mortgage lender should be your first action, and your lender may also be able to point you to specialist advice agencies. Independent advice for mortgage borrowers comes for a variety of sources, as listed below.

The Financial Services Authority (FSA)

The 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 Bureau - CAB

The Citizens’ Advice Bureau can help all consumers with housing problems and money problems.

The National Debtline

The National Debtline is a charity that offer free, independent and confidential advice including on mortgage arrears.

Consumer Credit Counselling Service (CCCS)

The Consumer Credit Counselling Service 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. Their website is information packed and useful to those borrowers who are worrying about their mortgage.