Late or missed mortgage payments will result in a higher number of repossessions in 2012.
Although cases of mortgage arrears have dipped slightly they will rise again, according to experts.
Home repossessions are set to rise further as mortgage holders fall behind in their loan repayments, the Council of Mortgage Lenders has warned.
Figures for the first quarter of this year show that the number of repossessions rose to 9,100, up by 1,200 from the previous quarter. The CML has forecast that the statistics for the whole of the year will rise from 36,000, recorded in 2010, to 40,000.