Change of circumstances
If your circumstances change, you should contact your lender as explained in the terms and conditions of the mortgage.
Under the scheme, the borrower is responsible for paying the mortgage. The scheme doesn't guarantee your payments. The guarantee protects the lender against any losses.
Problems paying your mortgage
If you don't make payments on a Help to Buy supported mortgage, you could lose your home.
If you're finding it difficult to pay your mortgage, you should contact your lender immediately. Your lender can give you advice.
If you're behind with your mortgage payments, the lender may arrange a forebearance agreement with you. This agreement allows you to repay any missed payments.
Repossessing your home
The mortgage lender can take action to repossess your home.
More information about your mortgage
To get more information about your Help to Buy mortgage guarantee, contact your mortgage lender.