What options do I have for clearing my mortgage arrears?

Tax rebate

You may have had a change in circumstances, for example, you or your partner may have recently left work or you may have had many changes in tax code in the last tax year. In any case, it is always worth asking your tax office to check whether you have the correct tax code, and to claim a rebate. This could then be used as a lump sum payment for your mortgage arrears.

If you do claim and receive a tax rebate, and wish to use it to pay off arrears, be careful that your lender does actually use it for the purpose that you want, for example it is used for advance payments if you have an immediate difficulty in paying or is used to pay off capital.