Help guide
Mortgage hardship options (high level)
If you struggle to repay, regulated lenders typically have hardship programs—deferrals, term tweaks. Orientation only—not case advice.
Contact the lender promptly
Early calls preserve more workable options—follow up in writing and keep timeline notes.
Prepare a factual summary
Short explanation of income change plus recent bank summaries helps hardship teams escalate faster.
Stay with licensed channels only
Ignore cold-call refinance rescues—the National Debt Helpline routes to trusted financial counselling.