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When everyone has a home

028 9024 5640: Housing & Debt Helpline for Northern Ireland

Tackling Mortgage Debt

This professional resource has been created to support advisers in assisting their clients in providing effective assistance in managing mortgage debt. The resource focuses on how an adviser can assist people in mortgage arrears to reach an agreement with creditors. It will also explain court options available to creditors if an agreement cannot be reached.

While the guide focuses on mortgage debt, it also provides information on assisting clients to tackle other, non-housing debts.

The resource covers: -

  • the role advisers have in assisting debt clients
  • information gathering
  • identifying priority and non priority debts
  • financial assessment
  • types of mortgages
  • proposal options
  • orders that can be made by the courts
  • relevant case law
  • Enforcement of Judgements process
  • options for dealing with non priority debt