If you are faced with mortgage arrears over 3 or 4 months then the majority of lenders will have already begun talking about repossession if you cannot catch up with these arrears. In this case taking repossession help and advice is essential. If you do nothing about the arrears and they continue to mount up the lender will take you to court and this can mean you are evicted from your home and will have to move out.

One way of avoiding being repossessed is to make a quick house sale. If you choose to take a sell and rent back option with a specialist company then you would have the cash in your pocket from the sale and you would also be able to remain in the property by paying monthly rent which is more affordable than the mortgage repayments you were struggling to maintain each month.

You could apply online and know within 24 hours if this was a suitable option for you to avoid losing your home and make a sale for cash in as little as a couple of weeks so you could pay off your mortgage and arrears.