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Craven District Council

Mortgage Difficulties

Help for homeowners struggling to pay their mortgage or secured loans.

Are you having difficulty paying your mortgage?

If you are an owner occupier and you are in difficulty with your mortgage, there may be help available through the Breathing Space scheme.

Breathing Space offers an interest free secured loan of between £2,000 and £15,000 that provides help to pay your mortgage or a secured loan.

The scheme is administered by Wakefield Council, on behalf of Craven District Council.

To qualify for a loan you must:

  • Own and live in the property
  • Only own one property
  • Owe less money in total on your mortgage and/or secured loan than your property is worth


The loan can be used to stop legal action on your home by your lender and let you stay there if you can afford to pay your mortgage in the future.  If you can't afford your future payments, you can still receive a loan to stop legal action while you sell your home.

  • No fees or charges
  • The loan is interest free so you only pay back the amount you borrow
  • With up to three years to pay back your loan
  • No payments to make until the end of the three year period/ or until you sell your home if this happens first


Get advice

For a referral please contact the Housing Options team on 01756 706475 or by email:

The Breathing Space team will then contact you to talk though your circumstances and if they think you qualify arrange an interview at the Council's offices in Skipton. If you do not qualify for the scheme, they will advise you on other options that may be available to you. 

The Money Advice Service offers a wide range of free and independent advice on mortgages and the help that is available. We would recommend that you visit their site before making any decisions about your home or entering into an agreement with your mortgage lender.

Homeowners on certain benefits may be entitled to support with their mortgage interest. For further information visit