How Long Does Repossession Take?

Facing the prospect of home repossession can be an overwhelming and distressing experience. For many homeowners struggling with financial difficulties and wondering how long the repossession of a house takes, understanding the repossession timeline can offer the opportunity to explore potential solutions. In the UK, the repossession process follows a structured legal framework, but the duration can vary significantly based on circumstances such as the lender’s policies, court proceedings, and the homeowner’s response. In this comprehensive guide, we will outline the home repossession process in the UK, discuss key factors that influence its timeline, and provide practical advice on how to prevent repossession.

What is repossession?

House repossession is the legal process through which a mortgage lender reclaims ownership of a property due to missed mortgage payments. When a borrower fails to meet their repayment obligations, the lender can initiate legal proceedings to take possession of the home, ultimately leading to eviction if the situation is not resolved. Repossession is typically a last resort after all other efforts to recover the debt have been exhausted.

How long does repossession take?

The duration of repossession varies depending on individual cases, but on average, the process can take anywhere from 6 to 12 months from the first missed payment to eviction. Below is a breakdown of each stage of the repossession process and an estimate of how long each step usually takes.

Missed mortgage payments (1-3 months)

The repossession process begins when a homeowner starts missing their mortgage payments. Most lenders take action after 3 to 6 months of arrears, but this depends on the lender’s policies. Homeowners facing difficulties should talk to their mortgage lender early, as many lenders offer repayment plans or other solutions to avoid repossession.

Lender’s communication and Default Notice (3-6 months)

Once a borrower has missed multiple payments, the lender will issue formal communication, including:

• Reminder letters and phone calls.
• A Notice of Default, which outlines the amount owed and the deadline to repay it.
• A Pre-Action Protocol, which is a legal requirement instructing borrowers to engage with lenders before they pursue court action.

At this stage, homeowners still have the opportunity to negotiate a payment plan or seek financial assistance to prevent repossession.

Court proceedings and Possession Order (6-12 months)

If no resolution is reached, the lender will apply to the court for a possession order. This involves:

1. Court Summons (4-8 weeks): The lender files a claim, and the court sets a hearing date.
2. Court Hearing (8-12 weeks): During the hearing, the judge reviews both sides and decides whether to grant the possession order.
3. Possession Order (28 days to 56 days): If the judge grants the order, the borrower must vacate the property within the time specified (typically 28 days, but in some cases up to 56 days).

Bailiff eviction (12+ months if contested)

If the homeowner does not leave voluntarily, the lender can apply for a warrant for possession, leading to a bailiff eviction, which can take an additional 2-6 weeks. However, if the homeowner contests the decision or requests extra time, the process can extend beyond 12 months.

Factors affecting the repossession timeline

Several key factors influence how long the repossession process takes:

Homeowner’s response and negotiation

If a homeowner engages early with the lender, they may be able to arrange an alternative repayment plan, delaying or preventing repossession. Alternatively, seeking legal assistance and financial advice can help prolong the process and provide opportunities for resolution.

Lender’s policies

Some lenders move quickly to repossess a property, while others prefer to work with borrowers to resolve payment issues. Different lenders have different thresholds for how many missed payments trigger the repossession process.

Court availability and legal delays

If the local court system has a backlog of cases, it can take several extra months to schedule hearings and process claims. Homeowners can also appeal court decisions, adding more time to the process.

Market conditions and property sale

If the homeowner prefers to sell the home voluntarily rather than go through the process of repossession, the timeline may be extended as they attempt to find a buyer. Selling the property may take longer if the housing market is slow, however. 

How to prevent repossession

If you’re struggling with mortgage payments and are worried about repossession, consider these proactive steps:

Contact your lender early

Lenders prefer to recover payments rather than go through lengthy court proceedings. Many offer options like: mortgage payment holidays, temporary interest-only payments and loan restructuring or term extensions.

Seek financial advice

If you’re worried, contact Citizens Advice, StepChange, or National Debtline for free debt advice. Alternatively, you can consult a mortgage adviser to explore refinancing options.

Explore selling the property

Selling your home voluntarily can help you avoid repossession and potentially clear your mortgage debt. Companies that specialise in quick home sales like Sell House Fast can offer a fast solution if time is limited.

Apply for a Government Support Scheme

The UK government offers programs such as Support for Mortgage Interest (SMI), which helps homeowners struggling with repayments.

Request a Court adjournment

If your case ends up going to court, you can request an adjournment to give yourself time to find alternative solutions.

Frequently Asked Questions

How long does repossession take after a court hearing?

If a possession order is granted, you typically have 28 days to vacate the property. However, extensions may be granted depending on circumstances.

Can repossession be stopped once it starts?

Yes. If you can come to an agreement with your lender, make a payment, or seek legal assistance, repossession can often be delayed or halted.

Will repossession affect my credit score?

Yes. Repossession will significantly impact your credit score, making it harder to obtain loans or mortgages in the future.

What happens to the remaining mortgage debt after repossession?

If the sale of the repossessed property does not cover the full mortgage balance, the lender may pursue the borrower for the remaining debt.

Can I buy another home after repossession?

It is possible, but you may face challenges securing a mortgage. Many lenders require a significant waiting period and proof of financial stability before approving a new loan.

Are you facing repossession? 

We’re here for you. With our expertise and experience, Sell House Fast has helped thousands of UK homeowners to stop house repossession. We can complete the sale as quickly as you require, allowing you to settle your mortgage arrears fast.

We buy any house — no estate agent fees, legal fees or other costs. Our smooth process gives you speed and certainty, as well as providing you with the funds to pay off your mortgage and avoid repossession. Get your free cash offer today.