If you don't pay your mortgage, you might lose your home

Help in difficult times


Life has a habit of disrupting plans with unexpected challenges along the way, but if you are worried about your finances, we’re here to help.

If you fall behind with mortgage payments – or are worried you might do – our dedicated teams are here for you.

Together, we can work out what your best options are and which steps to take next.

The sooner you take action, the better, so please don’t worry and do get in touch as soon as you are able.

Here’s what will happen if you do get in touch.

First, we will talk through your situation to find out why you're having difficulties. We can then review your budget to look at income, outgoings and debts and explore practical solutions that you can afford.

Based on your circumstances, we may be able to agree short-term measures or longer term options to help you get back on track.

We will always try and do everything we can for you. But it's really important you get in touch as soon as possible.

Please be aware that we provide information to credit reference agencies on a monthly basis, which means any arrears or repossession may have a negative impact on your credit score. This could affect your ability to get credit or other services in the future, such as a mobile phone contract or a tenancy.

If you're having trouble managing your debts or keeping up with payments, you can get free independent help and advice from several organisations, including:







Help in difficult times