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Even if you've been turned down before, we work with specialist lenders who consider cases others won't, including older borrowers and unusual properties.
Interest-only mortgage expiring with no way to repay
Mortgage term ending
Your interest-only mortgage is ending and the lump sum feels impossible. There is a way through this.
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Why this happens to good people
You've paid your mortgage faithfully for 20 or 25 years. Now your lender says you owe the full balance in one go - and you don't have it. You're not alone. There are 1.67 million interest-only mortgages in the UK set to mature by 2032, and thousands of homeowners are facing exactly what you're facing right now. The good news: you have more options than your lender is telling you, and you don't have to lose your home or sell at a fraction of what it's worth.
Interest-only mortgages were sold for decades with a simple promise: pay the interest each month, then pay off the capital at the end. But life doesn't stand still for 25 years. Endowment policies fell short. Investments didn't perform. Illness, redundancy, divorce, or retirement changed everything. The mortgage was always affordable - until now. Your lender may already be sending letters about repossession. That doesn't mean repossession is inevitable. Since 1998, we've helped hundreds of homeowners in this exact position find a way forward - often when they thought there was none.
What your lender won't tell you
Most lenders will present two options: pay the balance or sell. Some will offer a short extension or switch to a repayment mortgage at rates you can't afford. What they won't do is sit down and work out what's actually best for you. That's where we come in. We look at the full picture, your property, your equity, your income, your age, your plans and we find solutions that work for you and your money. We've helped people remortgage properties that other brokers said were unmortgageable. We've arranged cash advances so people could clear arrears and buy time. Every situation is different, and we treat it that way.
How we help - step by step
First, we listen. A free, confidential phone call where you tell us what's happening - no pressure, no obligation. Then our team reviews your situation properly. We look at your property value, your outstanding balance, your income, and what matters most to you. Within days, not weeks, we come back to you with real options laid out in plain English. You choose what works for you. We handle the rest.
Our clients pay nothing upfront. Where we arrange a sale, our fee is a share of the sale price, usually 10% to 15%, taken from the proceeds at completion and agreed in writing before you go ahead. We've been doing this since 1998, and our team has over 50 years of combined experience in property, law, and finance.
Options we can help you explore
Negotiate a term extension
Your current lender may agree to extend your mortgage term, giving you more time to arrange a proper solution without the threat of repossession.
Equity release or lifetime mortgage
If you're over 55, you may be able to release equity from your home to clear the balance, staying in your property with no monthly payments.
Managed sale at full market value
If selling is the right move, we make sure you get what your home is actually worth, not the 75% that cash buyers offer. We cover costs and can arrange short-term cash advances while the sale completes.
Part-and-part arrangements
Sometimes the answer is a combination, paying part of the balance while restructuring the rest. We work out the numbers and put the plan in place.
How it works
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1
Call us
Tell us about your situation. Our freephone lines are open 24/7 and you'll speak to a real person, not a machine.
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2
We listen
Your dedicated adviser will understand your full situation and explain every option available to you.
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3
We act
We move fast. Whether it's stopping a repossession or clearing debt, we handle everything on your behalf.
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You're safe
Your home is protected, your debts are cleared, and you can move forward with peace of mind.
What our clients say
Before I got in touch with Faster Property Solutions, I was way behind on payments on our mortgage and in debt. I was no longer working due to health issues, I saw the advert on TV. I had initially tried to get help through my mortgage company, but they...
Read the full review
Before I got in touch with Faster Property Solutions, I was way behind on payments on our mortgage and in debt. I was no longer working due to health issues, I saw the advert on TV. I had initially tried to get help through my mortgage company, but they couldn’t assist, and there were no other options that wouldn’t have left us homeless. The option offered by Faster Property Solutions was the best fit for our needs. Prab visited us, went through everything in detail, and provided a solution that meant we wouldn’t be made homeless. They cleared our debts. There were no upfront payments, and overall, the experience was very good, the team was extremely helpful, communication was excellent, and they even assisted us in finding an onward property. I would rate my experience 9.5 out of 10! If someone was in a similar situation to ours, I would absolutely recommend Faster Property Solutions. Amber was incredibly helpful and understanding, and she spent a lot of time supporting us throughout the process.
I found myself in serious debt and, despite my best efforts to resolve it, the situation continued to worsen until I was facing repossession. After seeing an FPS advertisement in the paper, I decided to make contact, and from the very first call I felt...
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I found myself in serious debt and, despite my best efforts to resolve it, the situation continued to worsen until I was facing repossession. After seeing an FPS advertisement in the paper, I decided to make contact, and from the very first call I felt completely reassured. FPS acted swiftly to clear my arrears and successfully stopped the repossession — all without requiring any upfront payment. I was also provided with valuable support through cash advances to help manage my debts. Throughout the entire process, communication was clear, consistent, and professional. My overall experience with Faster Property Solutions has been extremely positive. I would confidently rate the service 9 out of 10 and would not hesitate to recommend FPS to anyone facing similar financial difficulties. A special thank you to the whole team for their professionalism, care, and exceptional support throughout.
I was really struggling with my finances and couldn’t keep up with my arrears or mortgage payments. Faster Property Solutions came out to meet me and talk through what could be done, and they honestly took a lot of the stress away.
I didn’t have to pay...
Read the full review
I was really struggling with my finances and couldn’t keep up with my arrears or mortgage payments. Faster Property Solutions came out to meet me and talk through what could be done, and they honestly took a lot of the stress away. I didn’t have to pay anything upfront, and they handled everything professionally and kept in touch throughout. They always answered my questions and did exactly what they said they would. I’d rate my experience 8 out of 10, only because I felt the fees were a bit high, but overall the service was excellent. I’ve already been telling people about FPS! Big thanks to Tim and Jasmine, they were both brilliant and really easy to talk to.
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Need help? We're here to assist.
Still have questions? Call our friendly team on 0800 324 7949 or get in touch and we will call you back.
My interest-only mortgage is ending and I cannot repay the capital - what are my options?
You have several options including remortgaging, extending your term, equity release, a part-and-part arrangement, or a managed sale at full market value. We help you understand which one works best for your situation.
Will my lender repossess my home when the mortgage term ends?
Not if you act now. Lenders must follow a process before repossession, and we can step in at any stage to stop it. We pay arrears within 24 hours and work with all major UK lenders.
Can I stay in my home even if I cannot repay my mortgage?
Potentially, yes. Options like term extensions, remortgaging, or equity release can allow you to stay. We assess your situation and present every realistic option before considering a sale.
How common is this problem?
Very common. Around 1.67 million interest-only mortgages are set to mature by 2032. You are not alone, and there are well-established solutions available.
If I do need to sell, how quickly can it happen?
We can exchange contracts within 24 hours and complete a cash sale in 7 to 10 days. There is nothing to pay upfront, your home is sold at full market value, and our fee, usually 10% to 15% of the sale price, is paid from the proceeds at completion.
Related guides
In-depth advice articles for the situations we work with most often.
How to stop repossession in the UK: a stage-by-stage guide for 2026
Most UK repossessions can be stopped, including after a court order. This stage-by-stage guide explains your rights and the action that works at each point.
Read the guideCan you stop repossession after a court order? Yes, and here is how
A possession order is not the end. You can apply to suspend the warrant, even on the day of eviction. Here is the action that works at each stage.
Read the guideSell your house for cash: how it works, what it pays and what to watch
Thinking of selling your house for cash? Here's how a UK cash sale works, what it pays and how to spot a reputable buyer. Freephone 0800 324 7949.
Read the guideReady to take the first step?
Your lender's deadline is real, but it's not the end of the story. The sooner you call, the more options you have. One phone call today could change everything. It's free, it's confidential, and there's no obligation.
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