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When everyone has a home

028 9024 5640: Housing & Debt Helpline for Northern Ireland

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A new housing supply forum chaired by John Armstrong, Managing Director of the Construction Employers’ Federation, has had its first meeting. The Forum includes representatives from the private, public and charitable sectors and will play a key role in helping find solutions to increase the level of house building in Northern Ireland.

Housing professionals will be only too aware of the increase in the number of applications for possession of residential dwellings.  What many are less aware of is how useful an application for a Time Order can be to homeowners who risk losing their homes due to a secured loan or second charge.

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Repossession, Case law, Affordability

Advising homeowners who Are at risk of losing their home due to arrears on secured loans is a complex area. With this in mind, it’s essential that you’re aware of the very particular problems that can arise when your client has a second charge on their property. 

Advisers and clients alike need to be aware that when a borrower defaults on payment of a secured loan or a second charge the lender may be entitled to:

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Repossession, Affordability, Adviser

Fiona King is senior policy officer at Shelter Scotland and works on policy and legislation around homelessness, social housing, welfare and poverty based in the Edinburgh office. 

Below she outlines her three housing wishes.

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Housing Genie

Fiona King is senior policy officer at Shelter Scotland and works on policy and legislation around homelessness, social housing, welfare and poverty based in the Edinburgh office.  Here, Fiona looks at the Housing Options model of homelessness advice, assistance and prevention and what this means in the Scottish context. 

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Opinion

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