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Help with mortgage payments

If you're in arrears with your mortgage repayments and are being threatened with court action, you can apply for an interest-free loan to help pay off any arrears.

Five Lamps administers loans on behalf of Middlesbrough Council to prevent homes being repossessed or residents being evicted due to mortgage or rent arrears. Households must be willing to act on money and debt advice from Middlesbrough's Debt Advice Team or Citizens' Advice.

Loans are available up to a maximum of £5,000, are interest-free, and are available to:

  • Owner-occupiers
  • Social sector tenants
  • Private sector tenants

All loans will be paid directly to the mortgage lender or landlord, and where necessary, the householder must make arrangements to clear any additional arrears.


Organisation Address Telephone number
Thirteen Rivers House
63 North Ormesby Road

08000 461600

Five Lamps Organisation Eldon Street
TS17 7DJ
01642 608316

Support for mortgage interest

If you're a homeowner in receipt of certain benefits, you may be eligible for help with the interest payments on your mortgage.

Other sources of information