If you are impacted by coronavirus (COVID-19) and are already behind/late with your mortgage payments, please contact our mortgages collections department.
By phone: 0800 085 2482
Lines open Monday to Friday 08:00 - 18:00, Saturday 08:00 - 16:00.
If you need help with a longer term concern over your mortgage payments, contact our team.
By phone: 0800 1696 333
Lines open Monday to Saturday 08:00 to 20:00, Sunday 09:00 – 18:00.
If you’re not behind with your mortgage payments, but are looking for information on mortgage payment holidays, you can find out more and how to apply here.
Table of contents
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.
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 that would accumulate. Please contact our Mortgage Collections Department.
Repaying your arrears
There are a variety of options we can explore to help you repay your arrears tailored around your personal situation. Please contact our Mortgage Collections Department to discuss your options.
Check what you're entitled to
Billions of pounds of government benefits and allowances are going unclaimed. Use this free calculator to find out if you’re missing out.
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 full monthly repayment. If your circumstances change, please contact us as soon as possible.
Changing your payment details
If you wish to make a change to your Direct Debit details, contact Mortgage Services 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.
Contact us
Mortgage Services
By phone: 0800 169 6333
Lines open Monday to Saturday 08:00 - 20:00, Sunday 09:00 - 18:00.
By post: Customer Service Centre
BX8 4HB
Mortgage Collections Department
If you are already behind/late with your mortgage payments or you think you may struggle to maintain your payments.
By phone: 0800 085 2482
Lines open Monday to Friday 08:00 - 18:00, Saturday 08:00 - 16:00.
By fax: 01617 728 387
By post: Customer Service Centre
BX8 1HB
Prefer to talk face-to-face?
Pop into your nearest branch for a chat.
Frequently Asked Questions
Your property may be repossessed if you do not keep up repayments on your mortgage.