If you are already behind with your mortgage repayments or feel you may shortly have difficulties meeting your mortgage repayments, it is very important that you contact your lender as soon as possible to discuss your situation. Discussing your mortgage repayment problems as early as possible will help in reaching a solution. Any delay in contacting your lender may result in your mortgage arrears situation becoming worse than it would have been otherwise. Your lender has procedures in place to deal with your case and find an appropriate solution for your circumstances under the.