Mortgage payment support

If you’re finding it difficult to make your payments and think you might miss one, we can help.

On this page, you'll find useful information on how we can support you, plus our online income and expenditure form. Contacting us early to find out your options won't affect your credit score and will provide more options to help your situation.

If you're worried about your payments, we may be able to help you. This can include:

• Switching your mortgage rate
• Extending your mortgage term
• Paying only the interest on your mortgage for a 6-month period
• Changing the date your monthly mortgage payment is due
• Reducing or cancelling any mortgage overpayments

See more about these options in our cost of living article, or contact us to find out if you're eligible for any of these options, as well as any other we may be able to offer. Doing so won’t affect your credit rating.

If you have access to online banking, you can complete an interest only arrangement here.

You can also set up an agreed temporary interest-only arrangement or an overpayment plan, change your repayment date, switch your rate, or book an appointment to chat to us via our live chat here.

Appointments to discuss changing your mortgage term changes must be booked by telephone, so we can take some pre-appointment details in advance.

Call mortgage customer services on 0800 169 6333.

Lines are open:

8:00am to 8:00pm Monday to Friday

9:00am to 5:00pm Saturdays and Sundays

Alternatively, you can use our Online Chat service by logging into online banking, available Monday to Friday from 08:00 to 18:00.

If you find it hard to make a call or have other accessibility requirements let us know, and we can arrange reasonable adjustments.

If you’re facing financial difficulties, please contact us as soon as possible. Our dedicated team can help make your payments more manageable or give you some breathing space.

We know talking about finances can be daunting. To help you prepare, we’ve outlined the types of things you can expect from the call. 

On the call, we'll:

• Discuss your situation to understand any issues you're having
• Explore possible solutions, based on your income and outgoings. Filling out our income expenditure form will help with this
• Put you in touch with independent people who can offer more financial advice and support

Money worries can happen to anyone, if you’re in financial difficulty we understand this can be daunting but contacting us earlier will provide you with more options to choose from that we can support you with.

We’ll always look to support you to bring your account back up to date when your financial situation improves, in a way that is affordable for you.

If you miss payments, even if agreed with us as part of an arrangement, it'll result in arrears on your account. This could impact your credit score and mean:

• You're rejected for future credit applications
• Your ability to get a future mortgage is affected
• The credit score of anyone financially associated with you could be impacted (for example, through a joint bank account or credit account)

If you're struggling to pay your mortgage, you're more at risk of being targeted by firms or individuals who won't be acting in your best interests or by criminals who may encourage you to commit fraud.

If you’re worried about paying your mortgage contact us as soon as possible to talk about the support available to you. Remember, if an offer sounds too good to be true, it probably is - and it could leave you worse off.

We’re aware of mortgage holders in financial difficulty who are being misled by this online misinformation, often with serious financial consequences – for more information, please read the FCA's article.

The UK population is ageing as people live longer lives. This can lead to people being less financially stable in later life, which could affect your ability to manage monthly mortgage payments.

Things to consider:

• Mortgage term: will your current mortgage extend beyond your planned retirement age?
• Job nature: is your job physically demanding, and how might this impact your ability to work as you age?
• Employment changes: do you have multiple jobs and is this situation likely to change?
• Working hours: will you be able to work as many hours later in life?
• Pension: will your pension income be enough to support your lifestyle and mortgage payments?
• Sole income capability: Could you manage mortgage payments on your own if your partner were unable to work or passed away?
• Health coverage: are you covered if unexpected health issues arise?

Ways you could be mortgage-free sooner:

• Overpayments: making overpayments will reduce your mortgage balance faster than making your standard monthly payment.
• Term reduction: explore options to shorten your mortgage term.
• Downsizing: moving to a lower-value property may help to reduce your monthly payments

See the impact overpaying could have on your existing mortgage by using our overpayment calculator.

If you'd like to talk to someone outside of HSBC, you can speak to an independent financial advisor.  Or you can get in touch with one of our charity partners. They can review your situation, offer free and impartial advice, and help to find a solution that meets your needs.

Like speaking to us, getting independent support won’t affect your credit score, and any advice or support they offer will be impartial and in your best interests.

StepChange helps thousands of people every year. As a trusted partner of HSBC UK, they can provide you with free, impartial debt advice, tailored to your individual circumstances, and offer a range of solutions that can help you deal with debt worries, including your mortgage.

If you're eligible for later life lending, and StepChange think it is appropriate, they can guide you to third-party specialists offering products tailored to your needs.

Call StepChange on 0800 138 1111 or use their Money Health Check to get back on track.

Brings together the support and services of government-backed financial guidance providers for money and pensions to help you keep on track and plan ahead

Call 0300 500 5000 or visit the MoneyHelper website.

A charity run by the Money Advice Trust, providing free impartial and non-judgement debt advice.

Call 0808 808 4000 or visit the National Debtline website.

Offers free, independent and confidential advice on money management and legal issues.

Call 0344 411 1444 or visit the Citizens Advice website.

Pay date changes: Adjusting your payment date is designed to accommodate changes in your pay schedule. It's not a long-term solution for financial difficulties. If you're having financial issues, please reach out to us for support and guidance.

Potential impact on payments: Please be aware that changing your payment date may result in a higher next payment because of the daily accrual of interest. It's important to think about this when deciding to make a change.

Call us: Reach out to our team on 0800 169 6333. Our lines are open Monday to Friday from 08:00 to 20:00, and on weekends from 09:00 to 17:00.

Online chat: You can use our chat service by logging into online banking. It's available Monday to Friday, from 08:00 to 18:00.

Please give at least 7 working days' notice before your payment is due, to process your change request.

We're here to help you manage your mortgage with confidence. If you have any questions or need any support, don't hesitate to get in touch.

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