Stop Repossession
You’re not out of options, and you’re not alone.
Falling behind on mortgage payments can happen fast. 
A sudden job loss, illness, rising interest rates, or just life throwing you off track—it’s more common than you think.
But here’s the good news: repossession isn’t a done deal. Whether you’ve missed a few payments or already have a court date, it’s not too late to turn things around. We can help you stop the process—and move forward with peace of mind.
Rated excellent on Trustpilot 
by homeowners we’ve helped 
across the UK.
Very helpful and understanding to my personal circumstances.
They took all the pressure off us and the cash was in our account within 8 days. Remarkable! 10 out of 10.”
-Emila
I was put in a difficult position whereby I needed to sell my property quickly
From the very start Kappa and his team have been so supportive, professional and helpful. We managed to exchange and complete contracts quickly… I thoroughly recommend them.”
— Kez
We contacted Any House Wanted after seeing the advertisement on TV on the Monday.
The bailiffs were due to repossess our family home on the Thursday. The team were very prompt, caring and understanding. We are forever grateful to Any House Wanted and I would personally recommend them 100%.”
-Adam
What causes
home repossession?
When mortgage payments are missed, your lender may eventually apply to repossess your home.
This can be triggered by life events like illness, bereavement, or redundancy—but rising living costs have also pushed many homeowners into difficulty.
There were 1,030 homeowner-mortgaged properties repossessed in the fourth quarter of 2024, marking a 12% increase from the previous quarter and a 54% rise compared to the same period in 2023.
But the effects of repossession go beyond losing your home—it can impact your credit, mental health, and your family’s stability. But early action can make all the difference.
If you're falling behind
on mortgage payments
or feeling overwhelmed,
talk to us today.
A friendly chat could be the first step to turning things around. Call us today on 0800 389 7305.
Not sure where
you stand?
Use our quick checklist:
- Have you missed more than one mortgage payment?
- Have you received a default notice from your lender?
- Has your lender mentioned court action?
- Are you struggling to keep up with current repayments?
If you’ve answered yes to any of the above, talk to us—we can help you stop repossession in its tracks.
How to Stop Repossession
1. Speak to your lender early
Most lenders would rather help you stay in your home than take it back. If you’re struggling, speak to them as soon as possible to discuss repayment plans or other solutions.
2. Understand the process
Repossession doesn’t happen overnight. You’ll usually have several opportunities to stop the process before it reaches court. Knowing where you stand helps you act quickly.
3. Get an Instant Sale
If time is tight and you’re at risk of losing your home, an Instant Sale could 
help you avoid repossession entirely. Get in touch and find out how we could help.
We offer a quick, guaranteed 
property sale, without the stress of agents, viewings or delays.
- Get in touch — Tell us about your property and how urgent your situation is.
- We’ll make an offer — Based on current market conditions.
- Agree a timeline — We can complete in as little as 7 days.
- Get 10% cash upfront — Support for moving or settling urgent costs.
- Get paid in full — No fees, no delays, what we offer is what we pay.
Need to act fast?
Let’s talk. We can help stop repossession in its tracks.
Our team is here to guide you – simply call us free on 0800 389 7305 today.
Already repossessed?
We may still be able to help.
Get in touch as soon as possible. In some cases, we can still buy it back or help recover any remaining equity.
We’ll ask for:
- The date the property was taken
- Its approximate value
- What’s still owed to your lender
From there, we’ll talk you through what’s possible. Even if you think it’s too late, the chances are we could still stop your repossession.
Quick guide to the repossession process
Understanding the steps of the repossession process can help you take action at the right time. Each stage offers an opportunity to step in and find a solution—so knowing where you stand matters.
1. Missed payments
Your lender will usually get in touch after one or two missed payments. This is your first chance to explain your circumstances and work out a payment plan. Ignoring these early messages can make things harder down the line.
2. Default notice
If payments continue to be missed, your lender may issue a default notice—a formal warning that you’re falling behind. At this point, your property is still not at immediate risk, but it’s crucial to act quickly. You may still be able to agree a new payment schedule.
3. Proceedings
After around three months of missed payments, your lender can apply to court to begin the repossession process. You’ll receive a court summons with a date for a possession hearing. Seeking legal or financial advice here can make a big difference later.
4. Legal documents
You’ll receive paperwork including a claim form (N5) and a defence form (N11M). Completing and returning these forms gives you a chance to explain your circumstances and show the court that you’re willing to find a solution.
5. Possession hearing
This is your chance to present your case in court. If you attend, you may be granted more time or offered a suspended possession order if you can demonstrate a plan to repay arrears. Missing the hearing could result in an immediate possession order.
6. Court decision
 The judge will make a decision based on your case. This could be:
- An outright possession order (you must leave by a set date)
- A suspended order (you can stay as long as you meet agreed repayments)
7. Eviction notice
If you don’t comply with the court’s decision, your lender can apply for a bailiff to evict you. You’ll receive at least 14 days’ notice. Even at this stage, a quick sale or formal agreement might still prevent eviction. Acting early gives you the best chance of keeping your home or selling it on your terms.
If you’re unsure where
you stand, speak to us free on 0800 389 7305—we’re here to help.
Other ways to 
stop repossession
Estate agent sale
Can work if the court allows time—but sales take months, and buyers often rely on mortgages that may fall through. Estate agents also charge commission (up to 1–3% of the sale price), and it can take a further 3 months to complete the sale.
Payment plan with lender
This can help if you can afford regular payments again—but missing a single instalment could speed up repossession.
Private Sale
You handle everything—from viewings to negotiations. It gives you control but takes time and effort to find a private buyer.
Auction
Faster than traditional sales but not guaranteed. Buyers can take up to 28 days to complete, and auction fees apply.
Even at the last minute, there’s still hope.
It’s still possible to stop repossession, even late in the process. If you can prove a sale is in progress, your lender may delay action. That’s where we can help.
We contacted Any House Wanted after seeing the advertisement on TV on the Monday.
The bailiffs were due to repossess our family home on the Thursday. The team were very prompt, caring and understanding. We are forever grateful to Any House Wanted and I would personally recommend them 100%.”
— Adam
Close to eviction?
We act fast—often the same day.
Don’t wait.
We’ll work with you to transition
at your pace and stop eviction.
If repossession is on
the horizon, don’t wait.
If you’re facing personal difficulties or financial hardship, we’re here for you.
Read our Vulnerable Customers Policy to learn more about how we help those who may need extra support.
We’ll listen without judgement, talk through your options, and move quickly if you need us to.
Frequently Asked Questions about how to stop repossession
Can I really stop repossession at the last minute?
Yes. Even if you have received a court date or eviction notice, it’s often possible to stop repossession with urgent action. Options include negotiating a payment plan, seeking legal advice, or arranging a instant sale.
Start your offer as soon as possible—the earlier you act, the better the outcome will be for you.
Will repossession affect my credit?
Unfortunately – yes, but avoiding repossession with a quick house sale can reduce the long-term impact on your credit rating.
Will selling my house fast stop repossession from affecting my credit score?
If you complete a sale before the repossession is finalised, you can usually avoid the most severe impact on your credit file. We work quickly to help you sell and settle arrears before lasting damage is done.
Can I still sell my home after receiving a court letter?
Yes—but the sooner you act, the better.
Do you charge any fees for helping stop repossession?
No. Our service is completely free for sellers. We cover all legal costs, surveys, and processing fees, so you receive the full offer amount with no hidden charges.
What should I do if I’ve received a court summons for repossession?
Act immediately. You still have options to stop repossession—such as agreeing a payment plan, selling your property fast, or seeking legal support. Our team can guide you through your next steps and help you avoid losing your home.
Can I stop repossession without selling my house?
Sometimes, yes. You may be able to negotiate a payment plan with your lender or get help from a debt adviser. If these options aren’t available, a fast house sale can give you certainty and protect your equity.
How quickly can I sell my house to stop repossession?
We can provide a guaranteed cash offer within 24 hours and complete in as little as 7 days—often fast enough to halt repossession proceedings and give you peace of mind.
What if I change my mind after accepting an offer?
No problem. All our offers come with no obligation to accept. Our instant sale offers are valid for 14 days, giving you plenty of time to carefully consider your options with no pressure.
Do I need to involve an estate agent?
No—we buy directly for cash, saving you time, fees, and stress.
Still have questions? You don’t have to face it alone.
Read more Frequently Asked Questions or call us 
to find out how we could help.
The certainty of a sale.
The freedom of a fresh start.
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