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I’m having trouble paying my mortgage what should I do?

Tell us as soon as possible, as the sooner you call us the quicker we can help.

  • Please call one of our friendly team on 0345 303 0191 (minicom 0345 366 6104).
  • If we get in touch with you and leave a message, please call us back quickly.
  • Make sure you keep any other people paying the mortgage, and anyone guaranteeing the mortgage, up to date with what is happening.
  • Check whether you can get any state benefits or tax credits.
  • If you have an insurance policy, check whether it will help you with your payments.
  • Tell us if you move house.
  • Let us know as soon as possible if your circumstances change.
  • Consider seeking free confidential debt advice. There is lots of free confidential help and advice available to you.
  • The Money Advice Service have produced a guide on where to go to get free debt advice

If you are worried about making your mortgage payment due to an unexpected bill, please call our friendly team who are trained to listen to your circumstances and walk you through the options available to you.

I’ve had a big unexpected bill, what can I do?

The Money Advice Service provides impartial independent advice and information on how to manage your money better; they have produced a guide on how to cope if you are having difficulty paying your mortgage.

What will happen when I call you?

When you call our friendly team we will take the time to understand your situation. We will talk through your income (including any Benefits you receive) and your expenditure (including all of your bills and outgoings). We will then talk to you about the options available to help you.

What options / arrangements will be available to me?

There are a range of different options which may be available to help you. These depend on your personal circumstances. Please call our friendly team on 0345 303 0191 (minicom 0345 366 6104) to find out how we can help you.

Which of my Debts Should I Pay First?

The consequences of not paying some debts can be more serious than others. You should consider this when prioritising your debts and making arrangements for payment. Your mortgage is a priority debt along with council tax and utility bills, which means there could be more serious consequences if you do not pay these debts.

The Money Advice Service provides impartial independent advice and information on how to manage your money better; they have produced a guide on how to deal with debts.

Where can I go for Free Debt Advice?

There is lots of free confidential help and advice available to you.

The Money Advice Service have produced a guide on where to go to get free debt advice.

Will a Mortgage Arrears Repayment Plan be reported on my credit file?

Your credit file will evidence the fact that you are in an arrangement. If you would like more information on this, please contact the credit reference agencies who can provide you with a copy of your credit file.

  • Equifax: 0844 335 0550
  • Experian: 0844 481 0800
  • Call Credit: 0845 366 0071