Mortgage/rent arrears

This section tells you about:

Mortgage arrears or payment problems

If you are finding it hard to pay any loans that are secured against your home, you should tell your lender(s) immediately.  You may be able to come to an agreement with them, if not we have a specialist Housing Options Team who can give you free information, advice and help identify realistic solutions to suit your circumstances.

You should contact us as soon as possible, the earlier you get in touch, the greater likelihood of a successful outcome

Housing Options Team
PO Box 6760
Elgin
IV30 9BX

Phone: 0300 1234 566 -Monday-Friday 08.45 - 17.00
Email: housing.options@moray.gov.uk

Emergency Out of Hours: 03457 56 56 56

Home Owners Support Fund

If you own your home and are in danger of having it repossessed the Scottish Government operates two schemes as part of the Home Owners Support Fund which may help.
These are:

• Mortgage to Rent scheme; and

• Mortgage to Shared Equity scheme

Before you can be considered for the Home Owners’ Support Fund you must have obtained independent advice about your financial situation.  In addition, you must have failed to reach an agreement with your lender(s) on how to manage your arrears.

View more information and the eligibility criteria by clicking the following link: Home Owners' Support Fund.

Support for Mortgage Interest (SMI)

If you are a homeowner getting certain income related benefits you might be able to get help towards interest payments on:

  • your mortgage
  • loans you have taken out for certain repairs and improvements to your home

This help is paid as part of your benefit, normally paid direct to the lender.  You can’t get help towards the amount you borrowed, only the interest.

Find more information and the eligibility criteria by clicking the following link: Support for Mortgage Interest.

View our booklet Keeping your home’ and where to get advice-information for homeowners (PDF).

Rent arrears

Landlords would like all tenants to pay their rent in full and never fall into arrears but realise that sometimes this is not possible.  We know people can get into financial difficulties and our aim is to minimise the level of arrears in a sensitive but effective manner and to provide advice and assistance to those who need it.

Our specialist Housing Options Team can give you free information, advice and help identify realistic solutions to suit your circumstances.

You should contact us as soon as possible, the earlier you get in touch, the greater likelihood of a successful outcome

Housing Options Team
PO Box 6760
Elgin
IV30 9BX

Phone: 0300 1234 566-Monday-Friday 08.45-17.00
Email:housing.options@moray.gov.uk

Emergency Out of Hours: 03457.56 56 56

Or go to our Housing Options Team page.

Find more information for Council Tenants.

Section 11

Section 11 of the Homelessness etc (Scotland) Act 2003 places a duty on landlords (except local authority landlords) and creditors to tell the relevant local authority when they raise proceedings for possession or serve notices.

This duty came into force on 1 April 2009 giving the local authority early notice of a household at risk of homelessness due to rent or mortgage arrears.  We try to contact the household with the offer of support, initially from our housing options team.

More information can be found by clicking the following link: Section 11 duties.

Money advice service

The Moray Council Money Advice Service can advise you on how to get your debts back under control. Our advice is free and confidential. Don't delay; contact us today for an appointment with a Money Adviser.

Money Advice
PO Box 6760
Elgin
IV30 9BX

Phone: 0300 1234 561
Email: money.advice@moray.gov.uk

Full details and other free debt advice agencies can be found on our Money Advice Service page.

Rate this Page