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John Matthews
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How Long Does A House Repossession Take?

Question: I am worried about my mortgage arrears. I have had a few bad months with some large unexpected bills. I have a repayment mortgage and my bank has said I am not entitled to a payment holiday. They said if I don’t pay the arrears they will start repossession proceedings. I am really worried I can not loose my home. Anna, Birmingham.

Our Answer…

To answer your question simply, a repossession order will typically be a 60 day repossession order. If however you do not contest the repossession or don’t turn up to the hearing it is more likely to be a 30 day repossession order. However, you are not clear if you have even received a notice of intended court action or a court date. There is no hard, fast, rule which states when each lender will start repossession proceedings, they can be after just 1 missed payment – the average is between 2 and 3 missed payments.

If you are worried and you can not keep up with your repayments and your house is at risk from repossession then it might be wise to consider selling your property for cash and moving to a more affordable house that doesn’t stretch your budget to this extreme. Answers And Advice

The answers above are provided in good faith, to the best of our knowledge. Whilst we always try to be accurate, we can not guarantee there legal accuracy. For that reason we recommend that in addition you carry out your own research and / or seek professional legal advice.

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Best Wishes, John.

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