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Mortgage Breathing Space

The Mortgage Breathing Space Scheme will provide financial advice and interest free secured loans of up to £15,000 to eligible homeowners who are facing eviction. The scheme is being offered by Doncaster Council and St Leger Homes in partnership with Wakefield Council.

Applicants will only be considered eligible for the scheme if there is a reasonable expectation that they will be able to sustain home ownership in the longer term after the period of assistance provided by the loan; or where time is needed to allow for the sale of the property and a planned move to alternative accommodation.

To be offered this help, applicants must receive independent financial advice before progressing to a loan.

  •      Any loan offers will be subject to the qualifying assessment criteria being satisfied. The lending policy requires that:
  •     The property must be owned and occupied by the applicant.
  •     The applicant must be at least 18 years of age.
  •     The minimum loan amount is normally £2,000 and the maximum normally £15,000.
  •     The maximum loan to value of all secured lending (and including any Breathing Space loan) will not normally exceed 90% of the property value.
  •     Loan amounts outside of these limits may be considered according to individual circumstances.

More information on the Mortgage Breathing Space Scheme can be found here or if you who need advice because you are homeless or at risk of homelessness please call the Housing Options Team on 01302 736000 or email housingoptionsteam@doncaster.gov.uk.