If you're having trouble making your mortgage payments call us as soon as possible. By discussing your circumstances with you, we may be able to offer help.
Choose the Mortgage option and you will be put through to an adviser.
If you haven't already been in touch with us, we'll contact you as soon as possible to discuss your situation. We'll consider your circumstances and may be able to:
We will provide you with full details on how these options work and give you time to consider any changes. If we can't offer you any of these options we will explain why.
If we cannot offer any of these options we might agree to you remaining in the property to sell it yourself.
You may want to talk to a professional adviser, such as a field agent or a solicitor, before you change your mortgage arrangements. We would strongly advise that you seek independent debt advice.
If you are in arrears, we may charge you for any administration or legal costs which we incur. You will be informed about all charges which we may make. These will be charged to your mortgage account. Details of these charges are found on our Tariff of Mortgage Charges (120 KB)
Even if you decide to hand your keys back to us, you will still be responsible for paying the mortgage until the property is sold. If your house sells for less than you owe, your mortgage won't be fully repaid and you will still owe us the amount that is left. Please discuss this option with us before taking such action.
Some companies may offer you new loans or even invite you to sell your property to them and then lease it back as a way of resolving your short-term financial difficulty. Please be careful, as such actions may not be in your best interests in the long term. We would advise that you seek independent advice before entering into any arrangement of this type.
If you have concerns about how we have dealt with your case please use our complaints procedure to make us aware of any problems. We'll do our best to address things quickly and fairly.
Our complaints procedure meets the requirements of both the Financial Conduct Authority (FCA) and the Financial Ombudsman Service (FOS).