Repossession is a serious and often stressful process that begins when a homeowner falls behind on mortgage

payments. If the situation isn't resolved, the lender may take legal action to reclaim the property. Here's what the 

typical repossession process involves:

• Missed Mortgage Payments
  The process usually begins after multiple missed payments. Lenders will first send reminders and warnings, 
  urging the homeowner to catch up or make alternative arrangements.
• Legal Action & Court Proceedings
  If payments remain overdue, the lender can apply to the court for a repossession order. You’ll receive a 
  summons to attend a court hearing, where a judge will review the case. If the court sides with the lender, they may grant an order allowing the lender to take back the property.
• Eviction & Possession
  Once a repossession order is granted, the court will set a date by which the property must be vacated. If you don't leave by that date, bailiffs may be instructed to carry out an eviction.
• Sale of the Property
  The lender will typically sell the repossessed property—often at auction or below market value—to recover the money owed. If the sale doesn't cover the full mortgage balance and fees, the lender can pursue the homeowner for the shortfall.
• Credit Damage
  Repossession has a major negative impact on your credit file, typically remaining visible for up to six years. This can make it significantly harder to obtain future loans, mortgages, or even rental agreements.

We can offer you a quick cash sale within 28 days!

Act Fast to Stop Repossession! by selling your home quickly you can...

• Pay off your mortgage arrears before legal action progresses
• Avoid the repossession being recorded on your credit file
• Prevent court fees, bailiff costs, and further debt
• Free yourself from financial stress with dignity and discretion