By Jonathan Gardner

Are you protecting yourself against a financial shock? Financial uncertainties can strike when we least expect them, leading to massive challenges like mortgage arrears and the threat of home repossession. One of the most effective shields against such financial shocks is a well-prepared emergency fund, but how do you build one? An emergency fund is […]

How to make sure you don’t get into financial trouble, ever again! In my opinion, the importance of financial literacy cannot be overstated. Yet, the question remains, is financial literacy for everyone? For me, the simple answer is a resounding yes, but the reasons behind this deserve a closer look. Financial literacy refers to the

Unlock hope by joining conversations on mortgage distress! If  you are facing mortgage distress and worried about losing your home, you’re not alone. Joining a community of homeowners who are sharing their stories, finding support and discovering solutions can be a great way to help deal with your situation. Search your favourite social media channels

What is the N244 form? Why might you need to use it? The N244 form is a document in the UK legal system used by individuals who wish to apply to the court for a decision on a specific matter within an ongoing or a potential case. For homeowners, particularly those facing court orders related

What happens to your home equity in the event of property repossession? As a homeowner with a mortgage, it’s more than likely that you have equity in your property that has built up over the years. But what happens to that equity if your home gets repossessed by your lender? Equity is the difference between

Strategies for homeowners facing repossession to sell their property quickly. The threat of repossession can be a frightening reality. However, there are effective strategies that can be used to sell your property quickly, enabling you to settle debts and avoid the long-term consequences of a repossession. Here are some key approaches that you may want

Facing repossession, don’t go it alone!! For many homeowners, the threat of repossession is a dire reality that comes with significant emotional and financial turmoil. In the UK, where property ownership is often seen as a major life milestone, the prospect of losing one’s home can be particularly distressing. However, facing this situation alone can

What is the National Personal Insolvency Index? The National Personal Insolvency Index (NPII) is a comprehensive record of personal insolvency filings in the United Kingdom. Managed by the Insolvency Service, an executive agency sponsored by the Department for Business, Energy and Industrial Strategy, the NPII serves as a crucial tool for financial institutions, creditors, and

Worried About Repossession? Educating yourself about what options are best for you, could be the best way to help find a solution to your problem. These options may help you think straighter, see clearer and perhaps sign post you to the exact help you need. Educate yourself and start today by downloading our Repossession Help

Mental well-being, is this one of the hidden costs of debt? Financial distress can pose a serious risk to mental health. The psychological impact of debt can be extreme and noticeable, affecting various parts of your life and well-being.  For many, the continuous worry about paying off debt creates chronic stress and anxiety. This can