The mortgage to rent scheme may be able to help you if you are an owner-occupier in mortgage difficulties and are in danger of having your home repossessed. The national mortgage to rent scheme can arrange for a social landlord such as a housing association to buy your home and for you to continue to live there as a tenant. Funding will be made available to the landlord so that any necessary repairs can be made to the property and you will be charged a social rent.
How do I know if it’s for me?
Mortgage to rent will not be the best option for everyone. To find out if this is right for your situation you should seek advice. You must get advice before you can apply and you can get advice from:
Citizens Advice Scotland
They will give you the contact name and telephone number of a citizen’s advice bureau in your area. All bureaux provide free confidential and independent advice.
Phone: 0870 290 3000
Citizens Advice Bureau in Glasgow:
Easterhouse CAB – 0141 771 2328
Bridgeton CAB – 0141 554 0336
Castlemilk CAB – 0141 634 0338
Parkhead CAB – 0141 554 0004
Albion Street CAB – 0141 552 5556
Maryhill CAB – 0141 946 6373
National Debt Line
Provides a free, confidential and independent phone service.
Phone: 0808 808 4000 (Free phone)
Money Advice Scotland
Money Advice Scotland will give you the nearest contact name and telephone number of a money advice outlet.
Phone: 0141 572 0237
Consumer Credit Counselling Service (CCCS)
CCCS offers a structured programme on how to manage your money and can offer a structured repayment plan to creditors.
Phone: 0800 138 1111 (Free phone)
Shelter Housing Aid Centre
Shelter provides advice on all housing issues. Their staff can provide advice and assistance to you over the phone or by arranging to meet with you.
Phone: 0141 221 8994
Shelter Line
A free help line for people wanting to discuss any kind of housing problem or issue.
Phone: 0808 800 4444 Mon - Friday 9am - 5pm (Free phone)
Legal Services Agency (LSA)
LSA provides advice, representation and advocacy services particularly in relation to housing and welfare rights. Initial advice is free.
Govan Law Centre – 0141 440 1687
East End Community Law Centre – 0141 552 6666
Drumchapel Law and Money Advice Centre – 0141 994 0281
These sources of advice will be able to tell you what your options are. It may not be necessary for you to sell your home in order to continue living there. For example if you are in mortgage difficulties because of other debts, it may be possible for those other debts to be restructured and for you to get back on track with your mortgage payments.
For more information on the National Mortgage to Rent Scheme see the Communities Scotland website.
Further information can also be obtained on the Mortgage to Rent Scheme by:
e-mail: mortgagetorent@communitiesscotland.gov.uk
Phone: 0131 479 5188
Fax: 0131 479 5088