How long can you not pay your mortgage before repossession

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How Many Months Mortgage Arrears Before Repossession in the UK

In the UK repossession of your home can only be used as a last resort by lenders. There’s an agreement in place with all the major UK lenders that they will not begin repossession proceedings until at least three months of arrears have occurred. Also, as a part of the repossession process your lender must refer you to seek independent debt advice.

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