Letter regarding mortgage debt or arrears

If you are having, or know that you are about to have, difficulties making your mortgage payments, use this document to explain the problem to your mortgage lender. This document will help you outline the steps you will be taking and what assistance you would like from your mortgage lender.

You can use this document whether or not you are already in arrears with your mortgage account. It is best to tackle any problem or anticipated problem with your mortgage payments before it becomes unmanageable. This document may be used in conjunction with the document 'Income and expenditure statement'.