A divorce or separation is a challenging experience, and many people find that they are no longer able to afford their mortgage on a single income. Even if you have moved out, if your name is on the mortgage, you are still responsible for keeping up with the repayments.
This situation can have a long-term impact on your credit score, so it's essential to seek professional advice.
Some of the potential options include:
Transferring the mortgage into one partner's name, which means that if you no longer live in the property, you are no longer responsible for the repayments.
Remortgaging on a more affordable rate, or on a longer-term to reduce the monthly cost.
Using a product transfer, again to reduce your outgoings.
Consider an interest-only mortgage, even in the interim, and explore the options available from your lender.
Unfortunately, there aren't any government support schemes in this situation, but in most cases, by working with an experienced broker, you will be able to find an option that works for you.