Landlords may be affected by a government crackdown to stop mortgage lenders from repossessing a borrower's property without a court order.

The Ministry of Justice today announced the proposals, which said homeowners will be entitled to court protections when faced with repossession.

Currently a legal loophole exists meaning lenders have the right to sell an owner-occupied residential property without consent from the courts or the owner.

Plans follow figures published by the ministry stating that thousands of tenants have befitted from schemes to provide last-minute emergency help to those facing court.

Some 33,176 people in England received help between October 2008 and September 2009, it claimed.

Justice minister Bridget Prentice said: "In those cases which do end up in the court, we're providing last-minute specialist advice, often making a dramatic and very real difference in preventing repossessions and evictions at the eleventh hour, for both mortgagees and tenants."

The government advises those facing repossession to get advice as early as possible and to talk to lenders about their situation.

Written by Mark Garner
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