A selection of images representing communities.
This section provides the policy background, guidance and analysis and evaluation for:
It also includes information about policy measures - Mortgage Rescue Scheme and Homeowners Mortgage Support - announced by the Government to support homeowners facing financial difficulties and protect against repossessions. If you are a homeowner requiring assistance please see below.
300,000 homeowners have got help and advice with their mortgage - take your first step to joining them. For information on your options and to find out who you can talk to visit www.direct.gov.uk/mortgagehelp (external link), speak to a trained advisor at our debt advice partners or call the National Debtline free on 0808 808 4000.
The 2009 Budget package announced that the scheme was being expanded to help people in Negative Equity (where the total of their secured loans exceed the value of their property) from 1 May 2009.
Households that have debts that are up to 20 per cent greater than the value of their home are now able to apply for the scheme (provided all other eligibility criteria are met).
The Prime Minister announced that Homeowners Mortgage Support is now available to help homeowners who suffer a temporary income shock. It means that eligible homeowners will be able to make smaller mortgage repayments for up to two years, without the risk of losing their homes.
Changes introduced, both to the content of Home Information Packs and making them available at the first point a property is marketed.
Communities Secretary Hazel Blears announced a major cross–government package of new measures to meet challenges in the housing market. The £1 billion housing package will help first time buyers struggling to get onto the housing ladder, support vulnerable homeowners at risk of repossession, and support the house-building industry.