Mortgage repayments

There are 3 ways to repay a mortgage:

  • capital repayment – payments on the amount you borrowed and the interest
  • interest only – where payments only cover the interest
  • part and part – a combination of capital repayment and interest only

What payments do you make on your mortgage?

Are you at the end of your mortgage term?

The term is the total length of time that you’re repaying your mortgage over, for example 25 years.

Do you have a trustee who is forcing the sale of your home?

A trustee is a person or organisation who has been appointed to manage your assets, usually because of complex debt. 

Do you have a trustee who is forcing the sale of your home?

A trustee is a person or organisation who has been appointed to manage your assets, usually because of complex debt. 

Have you been in arrears for at least 3 months?

Arrears means your mortgage debt – money that you owe because you missed a mortgage payment.

Are your arrears more than one monthly payment?

For example, if your mortgage payment is £500 per month, do you owe more than £500?

Will your bank or mortgage lender agree to you making lower mortgage payments?

Your lender may agree to lower mortgage payments if you negotiate with them.

Is your lender asking you to repay the money you borrowed?

Are you able to pay what you owe by borrowing or getting more money?

For example, by taking out another mortgage or loan, or cashing in an endowment or pension.

Have you had advice from an independent financial adviser?

This means a person qualified to give you impartial advice on different financial products, such as a mortgage or insurance.

Which council area of Scotland do you live in?

If you're not sure, you can check your local council on boundaries.scot.

Have you had advice from an accredited money and debt adviser?

Have you had advice from an accredited money and debt adviser?

Is anyone in your household disabled or living with a health condition?

This includes you and anyone who lives with you.

Does your home meet this person’s needs in some way?

For example, it has a ramp and widened doorways so that they can use a wheelchair.

Is anyone in your household disabled or living with a health condition?

This includes you and anyone who lives with you.

Does your home meet this person’s needs in some way?

For example, it has a ramp and widened doorways so that they can use a wheelchair.

Apartment size

Apartment size means the total number of bedrooms plus any living rooms. It does not include any kitchens, dining rooms, bathrooms or hallways.

For example, if you have one living room and 2 bedrooms, your apartment size is 3.

What apartment size is your home? 

Apartment size

Apartment size means the total number of bedrooms plus any living rooms. It does not include any kitchens, dining rooms, bathrooms or hallways.

For example, if you have one living room and 2 bedrooms, your apartment size is 3.

What apartment size is your home? 

Apartment size

Apartment size means the total number of bedrooms plus any living rooms. It does not include any kitchens, dining rooms, bathrooms or hallways.

For example, if you have one living room and 2 bedrooms, your apartment size is 3.

What apartment size is your home? 

Apartment size

Apartment size means the total number of bedrooms plus any living rooms. It does not include any kitchens, dining rooms, bathrooms or hallways.

For example, if you have one living room and 2 bedrooms, your apartment size is 3.

What apartment size is your home? 

Apartment size

Apartment size means the total number of bedrooms plus any living rooms. It does not include any kitchens, dining rooms, bathrooms or hallways.

For example, if you have one living room and 2 bedrooms, your apartment size is 3.

What apartment size is your home? 

Apartment size

Apartment size means the total number of bedrooms plus any living rooms. It does not include any kitchens, dining rooms, bathrooms or hallways.

For example, if you have one living room and 2 bedrooms, your apartment size is 3.

What apartment size is your home? 

Apartment size

Apartment size means the total number of bedrooms plus any living rooms. It does not include any kitchens, dining rooms, bathrooms or hallways.

For example, if you have one living room and 2 bedrooms, your apartment size is 3.

What apartment size is your home? 

Apartment size

Apartment size means the total number of bedrooms plus any living rooms. It does not include any kitchens, dining rooms, bathrooms or hallways.

For example, if you have one living room and 2 bedrooms, your apartment size is 3.

What apartment size is your home? 

Apartment size

Apartment size means the total number of bedrooms plus any living rooms. It does not include any kitchens, dining rooms, bathrooms or hallways.

For example, if you have one living room and 2 bedrooms, your apartment size is 3.

What apartment size is your home? 

Apartment size

Apartment size means the total number of bedrooms plus any living rooms. It does not include any kitchens, dining rooms, bathrooms or hallways.

For example, if you have one living room and 2 bedrooms, your apartment size is 3.

What apartment size is your home? 

Apartment size

Apartment size means the total number of bedrooms plus any living rooms. It does not include any kitchens, dining rooms, bathrooms or hallways.

For example, if you have one living room and 2 bedrooms, your apartment size is 3.

What apartment size is your home? 

Apartment size

Apartment size means the total number of bedrooms plus any living rooms. It does not include any kitchens, dining rooms, bathrooms or hallways.

For example, if you have one living room and 2 bedrooms, your apartment size is 3.

What apartment size is your home? 

Apartment size

Apartment size means the total number of bedrooms plus any living rooms. It does not include any kitchens, dining rooms, bathrooms or hallways.

For example, if you have one living room and 2 bedrooms, your apartment size is 3.

What apartment size is your home? 

Apartment size

Apartment size means the total number of bedrooms plus any living rooms. It does not include any kitchens, dining rooms, bathrooms or hallways.

For example, if you have one living room and 2 bedrooms, your apartment size is 3.

What apartment size is your home? 

Apartment size

Apartment size means the total number of bedrooms plus any living rooms. It does not include any kitchens, dining rooms, bathrooms or hallways.

For example, if you have one living room and 2 bedrooms, your apartment size is 3.

What apartment size is your home? 

Apartment size

Apartment size means the total number of bedrooms plus any living rooms. It does not include any kitchens, dining rooms, bathrooms or hallways.

For example, if you have one living room and 2 bedrooms, your apartment size is 3.

What apartment size is your home? 

Apartment size

Apartment size means the total number of bedrooms plus any living rooms. It does not include any kitchens, dining rooms, bathrooms or hallways.

For example, if you have one living room and 2 bedrooms, your apartment size is 3.

What apartment size is your home? 

Apartment size

Apartment size means the total number of bedrooms plus any living rooms. It does not include any kitchens, dining rooms, bathrooms or hallways.

For example, if you have one living room and 2 bedrooms, your apartment size is 3.

What apartment size is your home? 

Apartment size

Apartment size means the total number of bedrooms plus any living rooms. It does not include any kitchens, dining rooms, bathrooms or hallways.

For example, if you have one living room and 2 bedrooms, your apartment size is 3.

What apartment size is your home? 

Apartment size

Apartment size means the total number of bedrooms plus any living rooms. It does not include any kitchens, dining rooms, bathrooms or hallways.

For example, if you have one living room and 2 bedrooms, your apartment size is 3.

What apartment size is your home? 

Apartment size

Apartment size means the total number of bedrooms plus any living rooms. It does not include any kitchens, dining rooms, bathrooms or hallways.

For example, if you have one living room and 2 bedrooms, your apartment size is 3.

What apartment size is your home? 

Apartment size

Apartment size means the total number of bedrooms plus any living rooms. It does not include any kitchens, dining rooms, bathrooms or hallways.

For example, if you have one living room and 2 bedrooms, your apartment size is 3.

What apartment size is your home? 

Apartment size

Apartment size means the total number of bedrooms plus any living rooms. It does not include any kitchens, dining rooms, bathrooms or hallways.

For example, if you have one living room and 2 bedrooms, your apartment size is 3.

What apartment size is your home? 

Apartment size

Apartment size means the total number of bedrooms plus any living rooms. It does not include any kitchens, dining rooms, bathrooms or hallways.

For example, if you have one living room and 2 bedrooms, your apartment size is 3.

What apartment size is your home? 

Apartment size

Apartment size means the total number of bedrooms plus any living rooms. It does not include any kitchens, dining rooms, bathrooms or hallways.

For example, if you have one living room and 2 bedrooms, your apartment size is 3.

What apartment size is your home? 

Apartment size

Apartment size means the total number of bedrooms plus any living rooms. It does not include any kitchens, dining rooms, bathrooms or hallways.

For example, if you have one living room and 2 bedrooms, your apartment size is 3.

What apartment size is your home? 

Apartment size

Apartment size means the total number of bedrooms plus any living rooms. It does not include any kitchens, dining rooms, bathrooms or hallways.

For example, if you have one living room and 2 bedrooms, your apartment size is 3.

What apartment size is your home? 

Apartment size

Apartment size means the total number of bedrooms plus any living rooms. It does not include any kitchens, dining rooms, bathrooms or hallways.

For example, if you have one living room and 2 bedrooms, your apartment size is 3.

What apartment size is your home? 

Apartment size

Apartment size means the total number of bedrooms plus any living rooms. It does not include any kitchens, dining rooms, bathrooms or hallways.

For example, if you have one living room and 2 bedrooms, your apartment size is 3.

What apartment size is your home? 

Apartment size

Apartment size means the total number of bedrooms plus any living rooms. It does not include any kitchens, dining rooms, bathrooms or hallways.

For example, if you have one living room and 2 bedrooms, your apartment size is 3.

What apartment size is your home? 

Apartment size

Apartment size means the total number of bedrooms plus any living rooms. It does not include any kitchens, dining rooms, bathrooms or hallways.

For example, if you have one living room and 2 bedrooms, your apartment size is 3.

What apartment size is your home? 

Apartment size

Apartment size means the total number of bedrooms plus any living rooms. It does not include any kitchens, dining rooms, bathrooms or hallways.

For example, if you have one living room and 2 bedrooms, your apartment size is 3.

What apartment size is your home? 

Is the value of your home higher or lower than £75,000?

Is the value of your home higher or lower than £90,000?

Is the value of your home higher or lower than £100,000?

Is the value of your home higher or lower than £125,000?

Is the value of your home higher or lower than £180,000?

Is the value of your home higher or lower than £110,000?

Is the value of your home higher or lower than £150,000?

Is the value of your home higher or lower than £160,000?

Is the value of your home higher or lower than £195,000?

Is the value of your home higher or lower than £240,000?

Is the value of your home higher or lower than £55,000?

Is the value of your home higher or lower than £90,000?

Is the value of your home higher or lower than £120,000?

Is the value of your home higher or lower than £160,000?

Is the value of your home higher or lower than £215,000?

Is the value of your home higher or lower than £70,000?

Is the value of your home higher or lower than £95,000?

Is the value of your home higher or lower than £120,000?

Is the value of your home higher or lower than £155,000?

Is the value of your home higher or lower than £230,000?

Is the value of your home higher or lower than £50,000?

Is the value of your home higher or lower than £80,000?

Is the value of your home higher or lower than £105,000?

Is the value of your home higher or lower than £180,000?

Is the value of your home higher or lower than £220,000?

Is the value of your home higher or lower than £80,000?

Is the value of your home higher or lower than £130,000?

Is the value of your home higher or lower than £130,000?

Is the value of your home higher or lower than £145,000?

Is the value of your home higher or lower than £150,000?

Is the value of your home higher or lower than £60,000?

Is the value of your home higher or lower than £90,000?

Is the value of your home higher or lower than £105,000?

Is the value of your home higher or lower than £145,000?

Is the value of your home higher or lower than £195,000?

Is the value of your home higher or lower than £60,000?

Is the value of your home higher or lower than £85,000?

Is the value of your home higher or lower than £110,000?

Is the value of your home higher or lower than £165,000?

Is the value of your home higher or lower than £205,000?

Is the value of your home higher or lower than £40,000?

Is the value of your home higher or lower than £55,000?

Is the value of your home higher or lower than £70,000?

Is the value of your home higher or lower than £85,000?

Is the value of your home higher or lower than £170,000?

Is the value of your home higher or lower than £95,000?

Is the value of your home higher or lower than £125,000?

Is the value of your home higher or lower than £175,000?

Is the value of your home higher or lower than £225,000?

Is the value of your home higher or lower than £345,000?

Is the value of your home higher or lower than £140,000?

Is the value of your home higher or lower than £185,000?

Is the value of your home higher or lower than £215,000?

Is the value of your home higher or lower than £285,000?

Is the value of your home higher or lower than £380,000?

Is the value of your home higher or lower than £90,000?

Is the value of your home higher or lower than £140,000?

Is the value of your home higher or lower than £180,000?

Is the value of your home higher or lower than £260,000?

Is the value of your home higher or lower than £380,000?

Is the value of your home higher or lower than £150,000?

Is the value of your home higher or lower than £180,000?

Is the value of your home higher or lower than £225,000?

Is the value of your home higher or lower than £295,000?

Is the value of your home higher or lower than £445,000?

Is the value of your home higher or lower than £60,000?

Is the value of your home higher or lower than £95,000?

Is the value of your home higher or lower than £120,000?

Is the value of your home higher or lower than £195,000?

Is the value of your home higher or lower than £245,000?

Is the value of your home higher or lower than £95,000?

Is the value of your home higher or lower than £140,000?

Is the value of your home higher or lower than £175,000?

Is the value of your home higher or lower than £240,000?

Is the value of your home higher or lower than £275,000?

Is the value of your home higher or lower than £95,000?

Is the value of your home higher or lower than £115,000?

Is the value of your home higher or lower than £125,000?

Is the value of your home higher or lower than £210,000?

Is the value of your home higher or lower than £305,000?

Is the value of your home higher or lower than £110,000?

Is the value of your home higher or lower than £145,000?

Is the value of your home higher or lower than £160,000?

Is the value of your home higher or lower than £215,000?

Is the value of your home higher or lower than £270,000?

Is the value of your home higher or lower than £35,000?

Is the value of your home higher or lower than £50,000?

Is the value of your home higher or lower than £65,000?

Is the value of your home higher or lower than £75,000?

Is the value of your home higher or lower than £165,000?

Is the value of your home higher or lower than £135,000?

Is the value of your home higher or lower than £150,000?

Is the value of your home higher or lower than £180,000?

Is the value of your home higher or lower than £205,000?

Is the value of your home higher or lower than £335,000?

Is the value of your home higher or lower than £90,000?

Is the value of your home higher or lower than £115,000?

Is the value of your home higher or lower than £130,000?

Is the value of your home higher or lower than £155,000?

Is the value of your home higher or lower than £200,000?

Is the value of your home higher or lower than £55,000?

Is the value of your home higher or lower than £65,000?

Is the value of your home higher or lower than £80,000?

Is the value of your home higher or lower than £95,000?

Is the value of your home higher or lower than £200,000?

Is the value of your home higher or lower than £55,000?

Is the value of your home higher or lower than £75,000?

Is the value of your home higher or lower than £85,000?

Is the value of your home higher or lower than £115,000?

Is the value of your home higher or lower than £195,000?

Is the value of your home higher or lower than £90,000?

Is the value of your home higher or lower than £140,000?

Is the value of your home higher or lower than £180,000?

Is the value of your home higher or lower than £240,000?

Is the value of your home higher or lower than £255,000?

Is the value of your home higher or lower than £75,000?

Is the value of your home higher or lower than £115,000?

Is the value of your home higher or lower than £160,000?

Is the value of your home higher or lower than £200,000?

Is the value of your home higher or lower than £265,000?

Is the value of your home higher or lower than £65,000?

Is the value of your home higher or lower than £85,000?

Is the value of your home higher or lower than £105,000?

Is the value of your home higher or lower than £140,000?

Is the value of your home higher or lower than £250,000?

Is the value of your home higher or lower than £65,000?

Is the value of your home higher or lower than £100,000?

Is the value of your home higher or lower than £120,000?

Is the value of your home higher or lower than £175,000?

Is the value of your home higher or lower than £235,000?

Is the value of your home higher or lower than £90,000?

Is the value of your home higher or lower than £140,000?

Is the value of your home higher or lower than £180,000?

Is the value of your home higher or lower than £235,000?

Is the value of your home higher or lower than £250,000?

Is the value of your home higher or lower than £60,000?

Is the value of your home higher or lower than £80,000?

Is the value of your home higher or lower than £100,000?

Is the value of your home higher or lower than £150,000?

Is the value of your home higher or lower than £210,000?

Is the value of your home higher or lower than £60,000?

Is the value of your home higher or lower than £85,000?

Is the value of your home higher or lower than £105,000?

Is the value of your home higher or lower than £145,000?

Is the value of your home higher or lower than £235,000?

Is the value of your home higher or lower than £105,000?

Is the value of your home higher or lower than £130,000?

Is the value of your home higher or lower than £175,000?

Is the value of your home higher or lower than £295,000?

Is the value of your home higher or lower than £365,000?

Is the value of your home higher or lower than £60,000?

Is the value of your home higher or lower than £80,000?

Is the value of your home higher or lower than £105,000?

Is the value of your home higher or lower than £160,000?

Is the value of your home higher or lower than £245,000?

Is the value of your home higher or lower than £90,000?

Is the value of your home higher or lower than £120,000?

Is the value of your home higher or lower than £135,000?

Is the value of your home higher or lower than £150,000?

Is the value of your home higher or lower than £250,000?

You may be able to get the Home Owners Support Fund

Based on your answers, you may get the fund if you applied.

You would not get the Home Owners Support Fund

Based on your answers, you would not get the fund if you applied.

What to do now

If you're at risk of losing your home, speak to a money and debt adviser as soon as possible.

They can help you manage your debts and agree a repayment plan with your lender.

How to get money and debt advice

You would not get the Home Owners Support Fund

Based on your answers, you would not get the fund if you applied.

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