If you're worried about money matters, and are falling behind on your mortgage payments, don't despair. A problem shared is usually the first step to a problem solved.
There is a range of advice available from government, lenders and advice agencies to help prevent your from losing your home. The Mortgage Rescue scheme is available to home owners who may be falling into arrears and risk losing their home.
The scheme works in two ways, option 1 is an affordable equity loan to bring your monthly payments down, option 2 is mortgage to rent, where your home will be bought by a housing association and you will rent it back from them.
You find out more about money advice, options that might be available to you and how to aply for them at:
http://mortgagehelp.direct.gov.uk/
There is more information on the Mortgage Rescue scheme and how to apply for it:
An in-detail look at how Mortgage Rescue works can be found at:
http://www.homesandcommunities.co.uk/mortgage_rescue_guidance
The scheme is not available to shared owners - if you're currently a leaseholder and are worried about money matters, visit:
http://www.mho.co.uk/information-centre/leaseholder-services/our-service-to-you-1/debt-counselling/