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How Repossession Works in England: What You Need to Know

Repossession is a last resort; get help early.

How Repossession Works in England: What You Need to Know Residential Property Services in London

Updated October 2026 · Fraser Bond

Homeowners · Repossession

How repossession works

Arrearsfirst
Pre-actionprotocol
Courthearing
Freeadvice
In short: Lenders must treat borrowers fairly and consider alternatives, such as payment plans or extending the term, before taking possession. In England and Wales, a lender must follow the pre-action protocol and get a court order; the court can adjourn or grant a suspended order if you can pay the arrears over time. If the home is repossessed and sold, any shortfall is still owed. If you're struggling, contact your lender early and get free advice from MoneyHelper, Citizens Advice, StepChange or Shelter. Selling yourself, before repossession, usually achieves a better price.

The process

1
Missed paymentsTalk to your lender straight away.
2
Pre-action protocolThe lender must try to agree a solution.
3
Court claimAttend the hearing; free legal help is available on the day.
4
OrderOften suspended if you can pay.
5
Eviction and saleOnly if the order isn't kept to.

Frequently asked questions

Can I stop repossession?

Often, by agreeing a payment plan or selling first.

Do I still owe money after a sale?

Yes, any shortfall.

Need to sell quickly?

Selling before repossession usually achieves a better price. Talk to us in confidence.

Speak to our teamGet a free valuation

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