You should assess your financial position to look at what you can realistically afford to pay to reduce arrears.
To be in the best position to deal with this, you need to ensure your household income is maximised and you are getting all the financial help and benefits you may be entitled too. A free online benefits calculator can help identify any unclaimed benefits you may be entitled to but are not claiming.
Agencies such as the Citizens Advice Bureaux (CABX) and other organisations that provide welfare rights advice can also check your entitlement and help you to claim. Find a local CABx here (opens as a new tab).
If you are in receipt of certain benefits you may be able to apply for Support for Mortgage Interest to help cover your interest payments on your mortgage (Link to Support for Mortgage interest). This is paid as a loan, which can be repaid if the property is sold or your financial position improves.