Ways to help you manage your mortgage

If you're worried you won't be able to make future mortgage payments or are already in arrears, we're here to help. There are many reasons why you may be struggling, including being made redundant or not working due to an accident or illness. Whatever your individual situation, the sooner you act, the sooner we can put a plan in place to get you back on track.

  • Using a Budget Calculator If you're not in arrears, a budget calculator will help you review your monthly income and spending. You can use this information to see if you can cut back on any non-essential items to make your monthly mortgage payments more affordable.
  • Telling us about changes If you bought your property with a partner and have separated, you may only want to pay half of the mortgage. Don't forget, however, that you both remain liable for any amount that isn't paid on the whole mortgage. If your circumstances change, please contact us as soon as possible.
  • Reducing your monthly payments It may be possible to reduce your monthly payments for a short time, but we will make sure there's a plan in place to repay the arrears. Please contact our Mortgage Service Centre to make an appointment.
  • Changing your payment details If you wish to make a change to your Direct Debit details, contact our Mortgage Service Centre to arrange for a new mandate to be sent to you. If you change the date of your payment, this usually results in an increase to your next monthly payment.
  • Repaying your arrears It may be possible to increase your monthly payments to repay the arrears over a number of months. Alternatively if you have made additional payments in the past six years, you may be able to use this amount to reduce your arrears. Please contact our Mortgage Collections Department to discuss your options.

Contacting us

Mortgage Service Centre

(if you think you might not be able to make a mortgage payment)

By phone: 08457 662 255
Opening hours: Monday - Friday 8am - 6pm, Saturday 9am - 5pm
By fax: 08702 438 800
By post: HSBC Bank Plc
Mortgage Service Centre
PO Box 6308
Coventry
CV3 9LB

Mortgage Collections Department

(if you are already behind/late with your mortgage payments)

By phone: 08456 029 512
Opening hours: Monday - Friday 8am - 6pm
By fax: 01617 728 387
By post: HSBC Bank Plc
Customer Credit Services
PO Box 6277
Coventry
CV3 9JS


Your home may be repossessed if you do not keep up repayments on your mortgage.