What happens if my landlord’s property is repossessed?Know your rights if your landlord defaults on their mortgage
Why does repossession happen?Landlords may lose their property if they fall behind on mortgage payments or rent it out without lender approval
Can I be evicted immediately?No, if you have a valid tenancy agreement like an assured shorthold tenancy (AST), you have the right to stay until it ends
What if the lender takes over?If the court grants a repossession order, your tenancy continues under the mortgage lender until its term ends
What happens when my tenancy ends?The lender must serve a Section 21 notice, giving you at least two months to vacate the property
What if I have a periodic tenancy?A periodic tenancy allows the lender to serve a Section 21 notice at any time with two months' notice
Is my deposit still safe?Yes, if it’s in a government-approved scheme, it remains protected and will be returned as usual
What if I don’t have a legal tenancy?Without a valid contract, the lender can seek a court order for eviction, so legal advice is essential
How can I delay eviction?You can apply to court for a delay of up to two months, but a fee may apply
How to protect yourself as a tenantRent through a professional letting agent to ensure your tenancy is legally secure and protected