CHANGES in circumstances can leave people with difficulty in paying their housing costs. At times of economic uncertainty and increased unemployment, these problems can become even worse.

It is important not to ignore problems when struggling with finances. Mortgage debt is a priority — it is vital to continue making payments. The earlier advice is sought, the more options are likely to be available, but if the worst comes to the worst and repossession is threatened, there may still be ways to avoid losing a home.

West Devon Borough Council provides a comprehensive housing advice service and is working in partnership with other organisations to offer practical help and advice to help people stay in their homes.

Debt charity, Homemaker South West, offers free, independent and confidential advice for those with mortgage problems. They have a helpline, 01392 686 760, where people can get advice and a free advice pack.

Cllr Diana Moyse, chair of the council's future planning and housing committee, said: 'A number of options are available for those in genuine need of help. At a time when everyone is suffering hardship we would encourage anyone experiencing difficulties with their mortgage to seek help sooner rather than later.'

For those who have lost their jobs, the Government has relaxed the rules on when mortgage interest payments will be made by reducing the waiting time to 13 weeks and increasing the mortgage value to £175,000.

The main lenders have also agreed to work with the Government to offer support to households who are experiencing a significant temporary loss of income.

The council is also participating in the Government's mortgage rescue package. This is a scheme to help vulnerable homeowners who are at risk of losing their homes through repossession. Depending on their circumstances, eligible households may be offered either:

l a shared equity option reducing monthly mortgage payments; or

l mortgage to rent, where the property is purchased by a registered social landlord and rented back at 80% of the open market rent.

Anyone who needs advice should contact a housing advisor on 01822 813600, or email [email protected]">[email protected]