Struggling to Pay Your Rent or Mortgage?

If you're finding it hard to pay your rent or mortgage, don’t wait — get help as soon as possible.

If You Rent

• 🗣️ Talk to your landlord right away and explain your situation.
• 💷 Try to pay what you can, even if it’s not the full amount.
• ⚠️ If you stop paying, your landlord might take you to court to get the property back.

Help with Rent

• If you have a low income, you might get help through Housing Benefit or Universal Credit.
• Use our benefit calculator to check if you qualify.
• You might also get extra help for a short time through a Discretionary Housing Payment (DHP).

If You Have a Mortgage

• 📞 Contact your mortgage lender to talk about your options.
• 🛑 They might offer a payment break or change your mortgage type.
• 🛡️ Check if you have insurance that covers mortgage payments.

🔗 Visit MoneyHelper for advice on:

• What to do if you can’t pay
• Government help
• Budgeting and debt support

Money & Debt Advice

Free help is available from:

• 🧾 Citizens Advice
• 🙏 Christians Against Poverty
• 💻 MoneyHelper
• 💬 StepChange

Finding Work

If you're out of work:

• Visit GOV.UK for job advice
• Try job sites like Indeed or Reed
• Contact local recruitment agencies

If You’ve Been Given a Notice

If your landlord or mortgage provider has given you a notice to leave, fill in our self-referral form on the homelessness advice page.

We’ll contact you to offer advice or book an appointment with a Housing Solutions Officer.

Extra Support – Peabody Outreach

If you’re behind on rent or mortgage payments, Peabody’s Essex Outreach Support Service can help with:

• 🏠 Housing
• 💰 Money
• 🧠 Health

🔗 Visit: Peabody Outreach Support

Cost of Living Support

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