* Unlimited arrears or CCJs

* No proof of income required

* No age restrictions

* Declined mortgage applications welcomed

* Plans tailored to meet all circumstances

* Repossessions stopped

* Fast, profession and discrete service

* No fees or hidden charges

Are you in mortgage arrears? Facing repossession? Looking to sell your house quickly for cash? Home Recovery schemes, by their very nature, deals with individuals who are in stressful situations making them more vulnerable to rogue operators. It is of critical importance for all those who are involved in these schemes back to approach homeowners with the utmost professional integrity and sensitivity. People’s homes are not like other products and services and vulnerable consumers need to be protected from rogue operators.

With reposessions running at a 12-year high and more than 40,000 homeowners losing their homes in 2008, some experts expect this figure to rise to 75,000 in 2009. There has been a huge increase in those in those who have fallen behind with mortgage payments. The number of people in arrears – an early indication of repossession – jumped 50% over the year.There has also been a sharp rise in cases where borrowers are handing back their keys or abandoning properties.

But there is help out there. Schemes to help homebuyers in trouble include:

• Income support for mortgage interest

• The government's mortgage rescue scheme

• Local initiatives from some local authorities

For details of these schemes see the links on the right hand side of this page.

However, for those homeowners who for whatever reason, feel the type of scheme described above is not suitable, there are other schemes which can stop repossessions and avoid losing your home. Sale and rent back or home rescue scehems, administered ethically by firms (who are keen to improve the industry's reputation and will be involved in the Financial Services Authority's attempts at regulating companies and individual landlords who will have to be regulated by July 2009 to provide services to consumers) can be a suitable property repossession solution for those who find themselves up to their neck in debt, can't pay the mortgage, and are in danger of losing their home.

For those homeowners who are keen to stay in their home, these schemes allow the homeowner to:

• pay off existing debts

• stay in your home, and close to friends, family, and local facilities

• take advantage of flexible rent payment plans including rent free periods
• possibly buy back the property when your circumstances have improved

To take advantage of our scheme please leave your details using the enquiry form on the left hand side. Our partners are property investors looking to invest in long term tenants who are keen to stay in their property long-term under a tenancy agreement. If our servivces are not suited to your purposes we will let you know from the outset.

The Office of Fair Trading has launched a market study into sale and rent back. One of the possible outcomes following the OFT market study could be to encourage the development of a consumer code of practice.

The Financial Services Authority (FSA) recently published a consultation paper setting out proposals for the regulation of sale and rent back (SRB) schemes designed to reduce consumer detriment in this growing area of the housing market.