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When everyone has a home

Housing and debt helpline for Northern Ireland – 028 9024 5640

Repossession

A key part of Housing Rights’ work is assisting clients struggling to meet their mortgage payments, or dealing with arrears. In recent weeks, two research papers and one policy consultation have been released which consider how such arrears can be most effectively addressed.

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Repossession, Research

The Bank of England today announced the first rise in interest rates since 2007. In the wake of the Brexit referendum last June, the Bank of England reduced the cost of borrowing to 0.25%, but today's announcement brings the interest rate back up to 0.5%. The people who will be most adversely affected by this increase are those households with variable rate mortgages.

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Repossession

Regulations converting Support for Mortgage Interest to a loan have recently been passed. We take a look at how the new payments of SMI will operate for claimants.

Loans for mortgage interest

All payments of SMI made on or after 6th April 2018 will take the form of a loan.

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Benefits, Repossession, Welfare Reform, Affordability

Homeowners who receive government help with their mortgage interest payments are likely to suffer a financial blow when the amount they receive reduces.

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Benefits, Repossession, Welfare Reform

Support for Mortgage Interest (SMI) is the collective name given to the financial help with mortgage interest payments which can be made to certain benefit claimants.  SMI can also help with the costs of certain loans secured on a property. 

SMI can be claimed by people who are in receipt of

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Benefits, Repossession, Welfare Reform, Affordability
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For many years, Housing Rights has provided housing advice to people entering and leaving custody in Northern Ireland’s three prisons. The housing advice in prisons project is funded by NIHE and the Northern Ireland Prison Service and is an essential way of preventing homelessness on release and sustaining tenancies for these vulnerable members of society.

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Benefits, Repossession, Social Tenancies, Homelessness, Adviser

Carmel Ferguson discusses an England & Wales Court of Appeal judgment which considered the question of when a residence should be treated as an individual’s principal home.

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Repossession, Case law, Legal

Housing Rights has been providing specialist advice to homeowners at risk of repossession for many years. One of the avenues open to certain people facing repossession is an argument that the loan they’ve entered into has created an “unfair relationship”. Solicitor Chris McGrath discusses how this argument can work as it is important that those advising in respect of mortgage lending have an understanding of the remit of the unfair relationship provisions

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Repossession, Practical tips, Case law, Legal

In recent years, the question of "proportionality" has increasingly been raised as a defence to possession proceedings.  Sarah Corrigan, an adviser with extensive experience in defending possession action, discusses the merits of acceptable behaviour contracts as an alternative to possession action and an effective method of dealing with antisocial behaviour. 

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Repossession, Social Tenancies

James* first contacted us in 2014. He called into our office after hearing about our Mortgage Debt Advice service from a friend.

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Repossession, Practical tips, Homelessness

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