Millions Worried About Housing Costs

More than three million people are worried they won't be able to make rent or mortgage payments this month, according to new research.

Research from the charity Shelter and polling company YouGov found more than half of people (59%) are already struggling to keep up with housing costs.

Shelter says it has seen a surge in the number of people visiting its website for advice on mortgage and rent arrears.

The charity has urged anyone who is having difficulties to not ignore the problem and get help as soon as possible to avoid their homes being put at risk.

But the research found that more than a quarter of people (26%) would feel too ashamed to ask for help if they were struggling.

Shelter's helpline adviser Nadeem Khan said: "Every day at Shelter we hear from people who are feeling overwhelmed by mounting rent or mortgage bills, as the increasing pressure of sky high housing costs continues to take its toll.

"Many have spent a long time thinking they have nowhere to turn and are often close to breaking point by the time they come to us.

"If you're in this situation, it’s so important to remember you’re not alone and that help is available."

One of those who is worried about paying her rent each month is Katherine, a mother-of-two from Yorkshire, who spoke to the charity.

She said: "I work every hour I can to support my family but each month I wonder if I'm going to able to make my rent, and I'm expecting things to be especially bad after Christmas, even though we cut back on spending as much as we could.

"I've borrowed money from family and even had to stop paying bills to keep the roof over my children's heads.

"It's horrible to start another year not knowing if I can afford to keep my home."

Shelter's tips for avoiding eviction or repossession include avoiding payday loans and making mortgage and rent your priority, dealing with other debts such as credit cards and phone bills separately.