What should you do if you can’t pay your rent or mortgage?

By Emma Laurie, Associate Professor in Law, University of Southampton
Lisa Whitehouse, Professor of Property Law, Policy & Practice, University of Southampton

The cost of living crisis is making it difficult for many people to pay their bills, including housing costs. Private sector rents have increased by an average 9% over the year to February 2024, and rising interest rates mean higher mortgage payments for many people.

If you find you can’t pay your bills, you may immediately worry about losing your home – but knowing your legal rights and resources can help you navigate this difficult time.

If you rent your home, your rights depend…

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