We understand that being able to manage your money can impact every aspect of your life. If you’re struggling, we could help you take control of your finances.
If you make us aware of any problems you’re facing, our customer support team will be able to talk you through your available options.
If you’re worried about meeting your mortgage or loan repayments, now or in the near future, we’re here to help you. We’ll work with you to provide support that’s tailored to your individual circumstances and based on what you can afford to pay. Your credit score will not be impacted by contacting us to find out what options are available.
If you want to talk to someone please call our customer support team as soon as possible on 03451 220033, they’re available between 9am and 5pm Monday to Friday. You may also find it useful to visit the MoneyHelper or UK Finance websites for out-of-hours assistance. In addition, we’ve also listed some free third-party resources at the foot of the page.
If you’re concerned about your ability to make future mortgage payments, either as a residential borrower or as a buy to let borrower whose tenant hasn’t paid, we may be able to consider making some changes to your mortgage account for a short period of time to help you manage your payments.
It’s important to remember that if we’re able to agree a temporary change to your mortgage payments, the amount unpaid will still be owed when the change comes to an end. If you pay less than the interest due your mortgage balance will increase, as will the amount of interest you pay over the remaining term of the mortgage. We’ll also need to report the arrangement to the credit reference agencies, which could affect your ability to borrow money in the future.
To help us consider what support we can give you, we’ll need a full understanding of your current income and expenditure.
We’ve worked alongside Paylink Solutions to create an online income and expenditure form for residential borrowers or buy to let borrowers who have up to and including three rental properties.
Completing this form will allow us to assess the information before we call you to discuss your options. We aim to deal with all requests within five working days.
If you’re a buy to let borrower with four or more rental properties call our customer support team on 03451 220033 instead.
If we’re unable to offer assistance, our team will provide guidance on what steps you need to take and may suggest that you seek independent financial advice. We cannot offer advice about debts you hold with other organisations. In such instances, you should speak to the organisation involved and/or approach an independent free debt advice service. Contact details for some of these services are listed below. There are also a number of self-help tools, money guidance sites or debt advice options which are available to you at the foot of this page.
Below are some additional links to debt advice organisations where free advice and support is available.
Financial support charities
Personal advice websites
Domestic Abuse Support
Credit reference agencies
PayPlan is an organisation that offers free, simple, independent debt advice to anyone who needs it. Their mission is to help people become debt-free through clear, honest advice and debt solutions that work.
They’ll show you the different debt solutions available for your circumstances so you know what your options are, and how each one could help you. They could set up a debt solution that fixes your situation, lowers your repayments and gives you the chance to move forward with your life.
To improve your relationship with money, PayPlan have resources available such as a list of organisations to support your mental health, as well as offering tools to help you organise your finances.
They could help you with:
Don’t know where to start? If you’d like to improve your finances, it could help to look at the bigger picture and create a budget planner showing all of your incoming and outgoing finance.
Find the budget planner that works for you:
Once you have your budget, you can prioritise your important bills or debts and take a look at where you could make savings.
Even if you’re not facing financial difficulties there are ways to save money. We’ve listed some of the m below.
Food and drink: