We’re here to help
Already behind on your payments or can’t make your next one?
We understand this may feel stressful. Whatever your situation, we can help you put a plan in place.
Looking to reduce your mortgage payments?
If you’re currently up to date with your mortgage payments but looking for ways to reduce these in future, it’s important you explore all the options available to you.
What options are available?
There are a number of things you may be able to do to reduce your mortgage payments.
If none of these options feels right for you, we’d recommend you complete our income and expenditure form so we can provide personalised support.
Switch your rate
How it works
Pay back your mortgage over a longer period of time
If you have a capital repayment loan (rather than interest only), you may be able to extend the term of your mortgage, which would make your monthly payment lower.
This option may be available depending on your circumstances. If you would like to discuss the possibility of extending your term, please call us.
Get independent advice
Other organisations who can help with financial guidance or more help on how to tackle your debt:
- StepChange Debt Charity: visit the StepChange website or call 0800 138 1111
- The Money Advice Service: visit the Money Advice website or call 0300 500 5000
- National Debtline: visit the National Debtline website or call 0808 808 4000
- Citizens Advice: visit the Citizens Advice website or call 0344 411 1444
Financial support team
If you’re already behind or late with your mortgage payments or you think you may struggle to keep up with them, call us on 0800 085 2482.
Lines open Monday to Friday 08:00 to 18:00, Saturday 08:00 to 16:00.
Other ways to contact us:
Frequently Asked Questions
I have a joint mortgage, but can’t speak to the other account holder. Can I still call for help?
Does missing a mortgage payment or agreeing a repayment plan affect my credit file?
Do I need to let anyone else know?
Can I change the date of my mortgage payment?
Your property may be repossessed if you do not keep up repayments on your mortgage.