I'm struggling to pay. What can I do?

If you're finding it hard to keep up with payments, we're here to help. Please get in touch as soon as money starts to feel tight. The sooner we hear from you, the more options you'll have to stop your debt growing and reduce the risk of losing your home.

You don't have to deal with money worries on your own. There are organisations that can help. Here are some steps you can take to help avoid losing your home:

1. If you're struggling to pay your rent or service charges, please get in touch with Magna's home ownership team as soon as you can. Our money matters team is also here to help.
    
2. If you think you might struggle to pay your mortgage, speak to your lender as soon as you can. They may be able to work out a payment plan with you.
    
3. If you can't agree a payment plan with your lender, or can't pay anything, get independent advice straight away. You can speak to the Citizens Advice Bureau for free advice. They won't take sides.

Before you book an appointment with an independent financial adviser, ask if you'll need to pay. Some charge for their advice. It's also worth checking call costs, as some phone numbers cost more to call than standard numbers.

You can also try these organisations for help or advice:

Consumer Credit Counselling Services
0800 138 1111

National Debtline
0808 808 4000

Shelter
0844 515 2000