If you're a home owner with financial difficulties and you cannot afford to pay your mortgage, there are measures in place to help you stay in your home.
- independent advice – online, face-to-face or by phone with an approved money adviser
- help from the government – like the Home Owners' Support Fund
- legal aid – if you need legal advice on mortgage problems, going to court or repossession
If you cannot come to an agreement with your lender, you should get independent advice about your financial situation.
Visit Scotland's Financial Health Service to search for approved money advisers in your area.