Dealing with your priority debts

​Second mortgages or secured loans

You may have a second mortgage or secured loan. Even if you are paying your first mortgage in full, if you don't keep up with payments on the second mortgage or secured loan, you could lose your home. Court procedures are similar for first and second mortgages or secured loans. Contact us for advice.

Mortgage arrears guide

For more information about how to deal with mortgage arrears, see our detailed Mortgage arrears guide.

This guide gives you information and advice if you are behind on your mortgage. It explains your options and the processes your lender must follow.

Use this guide to:

  • find out if there is any help you can get;
  • work out which option is right for you;
  • help you negotiate with your lender; and
  • get advice about how to deal with court action.

This guide includes some useful contacts and links for you to get further help.

See our fact sheet:



See our fact sheet:

Mortgages - help with your payments