Can't pay your mortgage? Don't panic!

Falling behind with your mortgage payments can be stressful and worrying, but there are steps you can take to avoid arrears or get out of them quickly.

Nobody takes out a mortgage expecting to fall into arrears one day, or to have their home repossessed. But life has a nasty habit of getting in the way of the best laid plans and last year 36,000 homes were taken into possession by mortgage lenders.