In November 2010, we launched a report by John Howard into Long Term Safety Nets to Protect Mortgage Borrowers which examines the economic environment which has caused many homeowners to fall behind in mortgage payments; the help available to those struggling to meet payments; and recent schemes introduced by the Government and industry. The report goes on to look at what can be done in the future to help keep people in their homes and proposes possible future solutions.

The report was launched at a widely attended breakfast briefing at which industry, consumer groups and Government agreed to work together to create an improved system which works better in the future.

The full report can be downloaded from the link below:

Long Term Safety Nets to Protect Mortgage Borrowers

On 10 February 2011, we released a follow-up report titled Long Term Safety Nets: Government, Industry and Professionals’ Views on Support for Borrowers Facing Repayment Difficulties. This report sets out the views of a range of stakeholders, including contributions from Government, industry, debt advice charities and other notable industry commentators and can be downloaded from the link below:

Government, Industry and Professionals' Views on Support for Borrowers Facing Repayment Difficulties

In September 2011, we released the third and final report titled A joined-up approach to helping mortgage borrowers. The report sets out four main solutions which can work together to form a long term safety net to protect mortgage borrowers.

A joined-up approach to helping mortgage borrowers