Home  /  Insights  /  Property Legal, Risk & Compliance
Property Legal, Risk & Compliance  

What if Your Landlord Isn't Paying the Mortgage?

Whether the lender consented to the let matters.

What if Your Landlord Isn't Paying the Mortgage? Property Legal, Risk & Compliance

Updated October 2026 · Fraser Bond

Tenants · Repossession

Landlord's mortgage arrears

Lenderconsent?
Noticerequired
Depositprotected
Getadvice
In short: If your landlord falls behind on the mortgage, the lender may seek possession. If the lender consented to the let, your tenancy is usually binding on the lender and you have normal rights. If the let wasn't authorised, the lender can still seek possession, but must give notice and you can ask the court to postpone eviction for up to two months. Keep paying rent, ask for written details, check your deposit is protected, and get advice from Shelter or Citizens Advice.

Frequently asked questions

Should I stop paying rent?

No, keep paying unless told otherwise in writing.

Will I get notice?

Yes, lenders must notify occupiers.

Need a new home?

Talk to our team or get a free valuation.

Speak to our teamGet a free valuation

Related guides

Next step

You are one message away from an answer.

If you have a question

Send it to us and get a straight answer.

Describe the property and the problem. We will tell you what we would do, what it should cost, and if we are not the right people, who is.

  • Replies the same working day
  • The person who answers is the person who handles it
  • No fee, and no obligation to instruct us
If you are looking for a property

See everything we are instructed on.

Sales and lettings across Prime Central London and the wider UK, with the same team behind every listing.

  • Residential and commercial in one search
  • Filter by borough, budget and size
  • Register once and we will send matches first