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Struggling With Housing Costs? Free Money and Debt Advice

Free, impartial advice is available.

Struggling With Housing Costs? Free Money and Debt Advice Residential Property Services in London

Updated October 2026 · Fraser Bond

Money · Advice

Free money advice

MoneyHelperfree
CitizensAdvice
StepChangedebt
Talkto lender
In short: If housing costs are stretching you, free and impartial help is available. MoneyHelper offers guidance on budgeting and mortgages, Citizens Advice and Shelter help with housing problems, and StepChange and National Debtline give free debt advice. Talk to your lender or landlord early; lenders must consider options such as payment holidays or term extensions. Be wary of paid "debt management" firms when free services exist.

Frequently asked questions

Is debt advice free?

Yes, from charities like StepChange.

Should I tell my lender?

Yes, early.

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