Help Resources

Being in debt can have its knock on effects that can lead to serious health issues. Below is a list of resources that can offer support and guidance, should you feel in need of help.

Remember, seeking help is a sign of strength, not weakness. If you or someone you know is dealing with mortgage arrears and mental health concerns, these resources can provide valuable assistance and support.

Citizens Advice Bureau Website: CAB provides free, confidential, and impartial advice on a wide range of issues, including debt, housing, and mental health. They can offer guidance on managing arrears, negotiating with lenders and accessing mental health support.

Shelter Website: https:/ Shelter is a housing and homelessness charity that offers advice, support, and legal assistance to individuals facing housing-related issues. They provide information on dealing with arrears and offer resources for maintaining mental well-being during housing crises.

Mind Website: Mind is a mental health charity that offers information, support, and advocacy for individuals dealing with mental health challenges. They provide resources to manage stress and anxiety related to financial difficulties, including housing-related concerns.

StepChange Website: StepChange offers free debt advice and solutions for people struggling with debt, including mortgage arrears. They also have resources to help individuals manage the emotional impact of debt on mental health.

Mental Health Charities Organisations like Rethink Mental Illness ( and Mental Health Foundation ( provide support for individuals dealing with mental health issues. While not directly housing-focused, their resources can help those experiencing mental health challenges alongside financial difficulties.

NHS Mental Health Services The NHS offers various mental health services, including talking therapies, counselling, and crisis support. If you’re struggling with your mental health due to financial pressures, reaching out to your GP or local mental health services can provide guidance and assistance.

 National Debtline Website: Debtline offers free, confidential advice for managing debt-related issues, including mortgage arrears. They provide practical guidance on budgeting, negotiating with creditors, and avoiding further financial strain.

Samaritans Website: you’re feeling overwhelmed or in crisis, Samaritans offer emotional support through their helpline. It’s important to reach out for help if you’re struggling with both financial issues and mental health challenges.

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