Advice on paying your rent or mortgage
I have less income this month and can’t pay my rent
Whether your landlord is a private or social landlord, it’s important that you keep in touch with them and let them know if you’re going to miss a payment or not pay the full amount.
The Department of Work and Pensions (DWP) benefit can help with living and rent costs and you should claim Universal Credit.
The Universal Credit money I get for rent does not cover the full amount I need to pay
Discretionary Housing Payments can help if you’re struggling to pay your rent as a shortfall between the amount paid in housing costs and your actual rent charge.
To be considered for a Discretionary Housing Payment you must either
- be entitled to some housing benefit from us
- get Universal Credit that includes something towards your housing costs.
My landlord is going to evict me because I can’t pay my rent this month
Whether your landlord is a private or social landlord, it is important that you keep in touch with them and let them know if you’re going to miss a payment or not pay the full amount.
The DWP can help with living and rent costs and you should claim Universal Credit.
If legal action is being taken against you because you owe money, get free support and advice from
I can't pay my mortgage, what do I do?
Home Owners' support fund
If you're at risk of having your home repossessed, the Scottish Government's Home Owners' support fund may be able to help you. Home Owners' support fund. It has two schemes
- mortgage to shared equity – the Scottish Government buys a stake in your property so you can reduce your secured loan
- mortgage to rent – this allows a social landlord to buy your home, and you'll continue to live there as a tenant.
Help to pay mortgage interest
If you're a home owner getting income related benefits, you might be eligible for the Support for Mortgage Interest (SMI) scheme. This is help towards interest payments on
- your mortgage
- loans you've taken out for certain repairs and improvements to your home.