Owners of property have no choice but to meet the upkeep and maintenance costs which may arise, it has been noted.

Housing charity Shelter advises that, when taking on a new home, the owner also takes on any potential future repair bills.

A spokesperson for the organisation observes that it is "a case of managing how to pay them" rather than whether to pay them at all.

One possible means of providing funds to cover such expenditure could be homeowner loans.

These may be taken out even if a mortgage is already held against the property and can provide spending money for a range of purposes.

"Don't just bury your head in the sand - there are ways out," urges the spokesperson.

She adds that while receiving a bill for a "massive sum of money" can be troubling, "it's maybe not as daunting as it first seems".

Opting for a homeowner loan could spread the cost over a number of months, effectively spreading the impact of such an invoice.ADNFCR-1287-ID-18341270-ADNFCR

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