paying your rent or mortgage

your rent or mortgage outgoings are likely the biggest payments you must make each month, but if you’re struggling to meet them, try not to panic.

if you have a mortgage

talk to your mortgage provider about your situation as soon as you can if you’re struggling

moneysavingexpert.com has a comprehensive guide that shows you how to protect your mortgage (home loan) if you’re finding things difficult, including information on what help is available. access the guide here.

citizens advice have this web area dedicated to mortgage problems

the debt charity stepchange has this information on mortgage arrears (missed payments)

• support for mortgage interest (smi) is a loan from the department of work and pensions (dwp) and can help with mortgage costs, if you are on a means-tested benefit.

if you rent

talk to your landlord about your situation as soon as you can if you’re struggling

if you rent from your local council or housing association, read this guidance from citizens advice

if you rent from a private landlord, read this guidance from citizens advice

• discretionary housing payments (dhps) are provided by your local authority (or the northern ireland housing executive website) and can provide extra money for help with your rent.

council tax: if you are struggling with the cost of council tax, check if your local authority has a discretionary council tax scheme and whether you are entitled to any discounts. you can also ask your local authority to spread the cost of your council tax over 12 months instead of 10 months.