{"id":20005,"date":"2022-12-09t11:42:23","date_gmt":"2022-12-09t11:42:23","guid":{"rendered":"\/\/www.aselpijama.com\/?page_id=20005"},"modified":"2023-06-04t18:22:18","modified_gmt":"2023-06-04t17:22:18","slug":"paying-your-rent-or-mortgage","status":"publish","type":"page","link":"\/\/www.aselpijama.com\/help-to-navigate-the-cost-of-living-crisis\/paying-your-rent-or-mortgage\/","title":{"rendered":"paying your rent or mortgage"},"content":{"rendered":"<figure class=\"wp-block-image size-large\"><a href=\"\/\/www.aselpijama.com\/app\/uploads\/2023\/06\/cost-of-living-hub_column_new_5-1-scaled.jpg\"><img decoding=\"async\" width=\"1024\" height=\"380\" src=\"\/\/www.aselpijama.com\/app\/uploads\/2023\/06\/cost-of-living-hub_column_new_5-1-1024x380.jpg\" alt=\"\" class=\"wp-image-27525\" srcset=\"\/\/www.aselpijama.com\/app\/uploads\/2023\/06\/cost-of-living-hub_column_new_5-1-1024x380.jpg 1024w, \/\/www.aselpijama.com\/app\/uploads\/2023\/06\/cost-of-living-hub_column_new_5-1-300x111.jpg 300w, \/\/www.aselpijama.com\/app\/uploads\/2023\/06\/cost-of-living-hub_column_new_5-1-768x285.jpg 768w, \/\/www.aselpijama.com\/app\/uploads\/2023\/06\/cost-of-living-hub_column_new_5-1-1536x569.jpg 1536w, \/\/www.aselpijama.com\/app\/uploads\/2023\/06\/cost-of-living-hub_column_new_5-1-2048x759.jpg 2048w, \/\/www.aselpijama.com\/app\/uploads\/2023\/06\/cost-of-living-hub_column_new_5-1-600x222.jpg 600w\" sizes=\"(max-width: 1024px) 100vw, 1024px\" \/><\/a><\/figure><p>your rent or mortgage outgoings are likely the biggest payments you must make each month, but if you\u2019re struggling to meet them, try not to panic.<\/p><h2 class=\"wp-block-heading\"><strong>if you have a mortgage<\/strong><\/h2><p><strong><em>talk to your mortgage provider about your situation as soon as you can if you&#8217;re struggling<\/em><\/strong><\/p><p><strong>moneysavingexpert.com<\/strong> has a comprehensive guide that shows you how to protect your mortgage (home loan) if you\u2019re finding things difficult, including information on what help is available. <a href=\"https:\/\/www.moneysavingexpert.com\/mortgages\/mortgage-arrears-help\/\">access the guide here.<\/a><\/p><p><strong>citizens advice<\/strong> have <a href=\"https:\/\/www.citizensadvice.org.uk\/debt-and-money\/mortgage-problems-debt-and-money\/\">this web area<\/a> dedicated to mortgage problems<\/p><p>the debt charity <strong>stepchange<\/strong> has <a href=\"https:\/\/www.stepchange.org\/debt-info\/mortgage-arrears.aspx\">this information<\/a> on mortgage arrears (missed payments)<\/p><ul class=\"wp-block-list\"><li><a href=\"https:\/\/www.citizensadvice.org.uk\/benefits\/support-for-mortgage-interest-smi\/support-for-mortgage-interest-smi\/deciding-if-you-should-apply-for-smi\/\"><strong>support for mortgage interest (smi)<\/strong><\/a>&nbsp;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.<\/li><\/ul><h2 class=\"wp-block-heading\"><strong>if you rent<\/strong><\/h2><p><strong><em>talk to your landlord about your situation as soon as you can<\/em><\/strong> <strong><em>if you&#8217;re struggling<\/em><\/strong><\/p><p>if you rent from your local council or housing association, read <a href=\"https:\/\/www.citizensadvice.org.uk\/housing\/social-housing\/during-your-tenancy\/you-cant-afford-the-rent-for-your-council-home\/#:~:text=if%20you%20can't%20afford,up%20and%20speak%20to%20them.\">this guidance<\/a> from <strong>citizens advice<\/strong><\/p><p>if you rent from a private landlord, read <a href=\"https:\/\/www.citizensadvice.org.uk\/debt-and-money\/help-with-debt\/dealing-with-urgent-debts\/dealing-with-rent-arrears-private-tenancies\/\">this guidance<\/a> from <strong>citizens advice<\/strong><\/p><ul class=\"wp-block-list\"><li><a href=\"https:\/\/www.gov.uk\/government\/publications\/claiming-discretionary-housing-payments\/claiming-discretionary-housing-payments\"><strong>discretionary housing payments (dhps)&nbsp;<\/strong><\/a>are provided by your local authority (or the&nbsp;<a href=\"https:\/\/www.nihe.gov.uk\/housing-help\/housing-benefit\/more-help-with-paying-your-housing-costs\"><strong>northern ireland housing executive<\/strong><\/a>&nbsp;website) and can provide extra money for help with your rent.<\/li><\/ul><p class=\"has-yellow-background-color has-background\"><strong>council tax: if you are struggling with the cost of council tax, check if your local authority has a discretionary&nbsp;<a href=\"https:\/\/www.gov.uk\/council-tax\/discounts-for-disabled-people\">council tax scheme<\/a>&nbsp;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.<\/strong><\/p>","protected":false},"excerpt":{"rendered":"<p>your rent or mortgage outgoings are likely the biggest payments you must make each month, but if you\u2019re 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&#8217;re struggling moneysavingexpert.com has a comprehensive guide that shows you [&hellip;]<\/p>\n","protected":false},"author":4,"featured_media":0,"parent":19981,"menu_order":0,"comment_status":"closed","ping_status":"closed","template":"","meta":{"_acf_changed":false,"inline_featured_image":false,"footnotes":""},"class_list":["post-20005","page","type-page","status-publish","hentry"],"acf":[],"_links":{"self":[{"href":"\/\/www.aselpijama.com\/wp-json\/wp\/v2\/pages\/20005"}],"collection":[{"href":"\/\/www.aselpijama.com\/wp-json\/wp\/v2\/pages"}],"about":[{"href":"\/\/www.aselpijama.com\/wp-json\/wp\/v2\/types\/page"}],"author":[{"embeddable":true,"href":"\/\/www.aselpijama.com\/wp-json\/wp\/v2\/users\/4"}],"replies":[{"embeddable":true,"href":"\/\/www.aselpijama.com\/wp-json\/wp\/v2\/comments?post=20005"}],"version-history":[{"count":5,"href":"\/\/www.aselpijama.com\/wp-json\/wp\/v2\/pages\/20005\/revisions"}],"predecessor-version":[{"id":27526,"href":"\/\/www.aselpijama.com\/wp-json\/wp\/v2\/pages\/20005\/revisions\/27526"}],"up":[{"embeddable":true,"href":"\/\/www.aselpijama.com\/wp-json\/wp\/v2\/pages\/19981"}],"wp:attachment":[{"href":"\/\/www.aselpijama.com\/wp-json\/wp\/v2\/media?parent=20005"}],"curies":[{"name":"wp","href":"https:\/\/api.w.org\/{rel}","templated":true}]}}