How can we help? Request a callback
How to Stop Repossession

1. Don’t take emergency finance
Other companies may have misled you into believing that a bridging loan or short-term finance is your best or even only choice. That’s not true. The temporary relief will be short-lived when you are facing repossession for a much higher sum.

2. Don’t accept a quick sale
In desperate situations, you may be tempted to accept a below-market-value “instant cash” offer on your home. Avoid quick sale companies at all costs—they profit from your misfortune. We can provide better options.

3. Get us to help
We can help you navigate through your options. We will force your lender to give you time to make a decision that suits you. Our first step is to assess affordability for you to keep the property long-term. If this is not an option, then we will ensure you speak to regulated finance professionals or have time to sell your property on the open market.
What People Say

We help save your home by stopping your eviction,
helping you clear your arrears & negotiating with your lender.
Received an eviction notice?
Or solicitors’ letters? We will stop your eviction!

Mortgage term expired?
We can negotiate with your lender if your mortgage term has ended.

Need help with your N244?
Successfully suspend your eviction notice. Call us now!

Received an eviction notice?
Or solicitors’ letters? We will stop your eviction!

Mortgage term expired?
We can negotiate with your lender if your mortgage term has ended.

Need help with your N244?
Successfully suspend your eviction notice. Call us now!

Contact us today
Contact HMS today to stop your eviction today. Call us 24hrs a day 7 days a week 0800 298 0571

Expert Support & Guidance
If you are a homeowner and need support, we will guide you through your options to prevent repossession of your property with a free consultation. Our friendly, highly focused, team of experts will listen to your unique story and identify solutions for your specific circumstance. For over 10 years we have created a fantastic team that specialise in giving the best advice and help they can in order to stop repossession and to save homeowners from losing their property.

What happens if repossession of your house is threatened?
When faced with a court hearing, it is best to seek prompt assistance. In any case, the judge will listen to both sides of the argument; the fact that a lender has applied for a repossession order does not mean that the court will automatically grant one. Professional representation is not always essential, though it may often be advisable or beneficial. If you are unfortunate enough to be one of them then we can help.
Here to help you through a difficult time
Facing Repossession is a very difficult time, if you do not seek the right advice then you could lose your home unnecessarily. We are here to provide a full assessment of your legally supported options, that your mortgage lender should have provided. More importantly, we can force a legally supported defence through the court so that you have a court order to follow and do not have to jump through the hoops your lender in no doubt trying to make you jump through now.
Common questions we hear from people facing repossession & eviction
How do you avoid repossession of your home?
How many months mortgage arrears before repossession?
Can I get a mortgage after repossession?
What happens after house repossession?
How do I stop repossession of a house?
What is the mortgage repossession process?
Can I get a loan to prevent repossession of my house?
UK Repossession Statistics
UK Finance’s latest Mortgage Arrears and Possessions Update for the first quarter of 2018 reveals that:
There were 78,800 homeowner mortgages in arrears of 2.5 per cent or more of the outstanding balance in the first quarter of 2018, 8 per cent fewer than in the same quarter of the previous year and the lowest level since records began in 199
Within the total, there were 24,100 homeowner mortgages with more significant arrears (representing 10 per cent or more of the outstanding balance). This was 3 per cent fewer than in the same quarter of the previous year.
There were 4,500 buy-to-let mortgages in arrears of 2.5 per cent or more of the outstanding balance in the first quarter of 2018, 6 per cent fewer than in the same quarter of the previous year.
Within the total, there were 1,100 buy-to-let mortgages with more significant arrears (representing 10 per cent or more of the outstanding balance).

Some Facts and Myths about Repossession
Thousand of apartments, flats and houses are subject to repossession proceedings every year, but many myths surround the subject.
Despite oft-heard rumours to the contrary, homes cannot be repossessed without warning. Homeowners who have mortgage arrears first receive a letter from the lender, after which there is usually an interval of some two to six months before any legal proceedings commence. Debt collection agencies cannot repossess properties, as only a court can grant such orders if the mortgage is on a residential basis.
Notably, it may be possible to stop repossession by negotiating with the bank or building society concerned and agreeing to:
- Pay off arrears over time.
- Refinance the property.
- Sell the property.
Caution is necessary; handing the keys to the property back to the lender will not end the matter. Mortgage lenders can still pursue debtors for up to twelve years in England and Wales and up to five years In Scotland if there is a shortfall after the property is sold.
Additionally, many Homeowners believe that if there is equity in the house, then the Lender will keep the proceeds from the sale. This is not the case, if there is a balance released after the house is sold, then it will be sent back to the Homeowner, however, it is going to be significantly reduced from what should be available if you sold the property for yourselves due to:
- The increased solicitors and court costs added to the mortgage.
- The Asset Management Company and estate agents costs for selling the property.
- The increased charges made by you Lender for coordinating the solicitors and Asset Management Company.
- The significant reduction in the sale price due to it being a repossessed property.
Of course, this does not even account for the time delay in the Lender selling your property and finalising your account and property title. Most Homeowners that are fortunate enough to get some money back, have to wait over 8 months, during which time, no assistance is available for being rehoused.
Latest News
Mortgage Debt Prompts Think Tank To Demand Policy Overhaul
Mortgage Debt Prompts Think Tank To Demand Policy Overhaul The increase [...]
How Long Does Debt from Repossession Stay on Your Credit History?
How Long Does Debt from Repossession Stay on Your Credit History? [...]
New Service Giving Free Advice for People Facing Repossession Launches
New Service Giving Free Advice for People Facing Repossession Launches With [...]
Can I Get Any Help Paying My Mortgage?
Can I Get Any Help Paying My Mortgage? Homeownership can often [...]