Sources of information and advice

You might want more information or to seek independent advice about the best course of action for you.

Council of Mortgage Lenders / UK Finance
Provides an important link between lenders, government and other key stakeholders. The CML works with the lending industry to identify and communicate policy across a wide spectrum - from valuation issues to arrears and possessions Their website offers general advice to those experiencing difficulties in meeting their mortgage repayments.
www.cml.org.uk/cml/consumers
With effect from 1 July 2017 the CML became integrated into a new trade association, UK Finance. Their website is www.ukfinance.org.uk

Directgov Mortgage Help
Special mortgage help website, with advice available from government, from lenders and from advice agencies.
mortgagehelp.direct.gov.uk

Citizens' Advice Bureau
Can help with money and housing problems.
www.adviceguide.org.uk

National Debtline
A charity offering free, confidential advice including a comprehensive website section on mortgage arrears.
www.nationaldebtline.co.uk

Step Change Debt Charity
Offers assistance in resolving multiple debts.
www.stepchange.org

Business Debtline
Provides free debt advice to the self-employed and small businesses
www.businessdebtline.org

Shelter
The housing charity offering a comprehensive source of advice and information in housing, including avoiding repossession.
www.shelter.org.uk

The National Homelessness Advice Service
Offers advice agencies the specialist support and professional resources to enable advisers to give the most appropriate, accurate and timely housing advice to people. The National Homelessness Advice Service also has a leaflet 'Are you worried about your mortgage' - you may have received a copy of this from us already.
www.nhas.org.uk

Community Legal Advice
A community legal advice website has advice and information sheets on housing issues and the helpline (0845 345 4 345) can provide callers with general housing advice as well as specialist advice for those who are eligible for legal aid.
www.communitylegaladvice.org.uk

Law Centres
Law Centres are independent, and employ lawyers and specialist advisers to assist and represent clients in court.
www.lawcentres.org.uk

Your local authority
Many local authorities have comprehensive housing advice centres which give necessary information about what housing may be available. You may already know the address and contact details of your local housing authority. If you do not know this, the search facility in the Directgov website may help.
www.direct.gov.uk

Wills, probate and inheritance
The Gov.uk website contains some useful information regarding probate
www.gov.uk/wills-probate-inheritance