Behind on Mortgage Payments? Act Before It Escalates. Mortgage arrears escalate quickly. Each month adds interest, legal costs, and narrows your options. Civic Rescue offers a direct route out — before a court date changes everything.
We are a principal property buyer — not a debt advisor or comparison site. We purchase your home directly, settle all arrears at completion, and transfer remaining equity to you. One call gives you a clear picture of your options. We respond immediately (within 4 hours max).
What best describes your situation right now?
This helps us understand how urgently we need to act for you.
What happens month by month.
The earlier you act, the more equity you protect — and the more options remain available.
The earlier you act, the more equity you protect. Call us today — we respond immediately.
Call 0800 135 7004 — FreeA practical exit — before the court gets involved.
We buy directly — no agents, no delays
As a principal buyer we purchase your home ourselves. No middlemen. No mystery. One buyer from first call to completion.
Written offer in 24 hours
Based on an independent desktop valuation — fixed, clear, and confirmed in writing before you sign anything. No last-minute changes.
Arrears cleared at completion
Your outstanding arrears and full mortgage balance are settled at completion. You receive whatever equity remains — transferred the same day.
We can pay arrears directly to your lender
In some cases we can pay arrears to your lender directly prior to completion — often sufficient to pause proceedings before a formal sale completes.
Rescue Certificate if proceedings have started
If a possession order has been issued or a hearing is scheduled, we can issue a Rescue Certificate — court-ready proof of a contracted sale with a fixed completion date.
No legal costs to you
Our solicitors handle all conveyancing. You pay nothing and instruct no one. We handle everything from offer to completion.
See how much equity is at risk if you wait.
Indicative figures only. We confirm the exact offer in writing within 24 hours of your call.
Civic Rescue makes commercial property purchase offers. We are not debt advisors and do not provide regulated financial or mortgage advice. We recommend all clients seek independent legal advice before proceeding.
Exploring your options — an honest comparison.
We are not financial advisors. The comparison below is for illustrative purposes. We recommend independent financial and legal advice before making any decision.
Remortgage
May allow you to stay in your home if you qualify. Requires credit assessment — arrears make approval difficult. Takes weeks or months. Does not stop proceedings in the short term. May not be available with significant arrears or poor credit history.
Mortgage payment plan with lender
Some lenders will agree a temporary arrangement. Depends on lender willingness and your circumstances. Does not reduce the debt — may extend the problem. No guarantee of stopping proceedings.
Direct sale to Civic Rescue
Clears mortgage and arrears in full at completion. No credit check required. Completes in 7–14 days. Rescue Certificate can stop proceedings immediately. Equity transferred to you. Clean break with no ongoing debt.
Common questions about mortgage arrears.
Straight answers to the questions we are asked most often by homeowners falling behind on payments.
The first call costs nothing.
And it might change everything.
We give you an honest, no-obligation picture of what we can protect — and call you back immediately. Your details are never shared with any third party.
Civic Rescue operates as a principal property buyer and does not provide debt advice, regulated mortgage advice, or FCA-authorised services. We strongly recommend all sellers seek independent legal advice before proceeding — and we pay all reasonable legal costs as standard. If you are in financial difficulty, Citizens Advice can also help: 0800 144 8848.