Financial difficulty

I'm having trouble paying my mortgage

We're here to help

We understand that worrying about paying your mortgage can be stressful. Whether you’ve already missed a payment or think you won't be able to make any future payments, we're on hand to provide the right level of support.

If you don't have a mortgage but need support managing other debts, you'll find more help and advice on our Struggling Financially page.


What will happen if I can't pay my mortgage?

If you've already missed one or more payments, or you think you’ll struggle to make any future payments, don’t panic. We’re here to help.
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I've already missed one or more mortgage payments

We understand during times like these it can feel easier to avoid a conversation and hope the situation improves, but it's really important that you talk to us so we can help.
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I know I'm going to miss a mortgage payment soon

It's really important to contact us. Our dedicated colleagues will talk you through your current finances and the options available to you.
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I'm worried I might miss a mortgage payment in the future

We've got lots of tools and tips to help you take control of your finances. Our Managing your money guide is a great place to start.

Common questions and how we can help

We're ready when you are

To speak to our dedicated team, call us on

0800 161 5909
0345 303 0191 (best for mobiles with inclusive minutes)

Lines are open:

8am - 8pm (Mon – Fri) 
9am - 5pm (Sat) 

Help to manage your money

We're here to help you get back track with your day to day finances too, with tips and advice on managing your money to help you reduce your spending. You can also review your financial goals with a free 20 minute Financial Health Check.

Independent support available

If you’ve got other debts as well as your mortgage, you might want to think about contacting a free debt advice organisation. NatWest work in partnership with PayPlan (a third party company), who offer free and confidential debt advice, helping you take control of your finances.

Other independent organisations who can help

Citizens Advice
Free advice on debt, benefits, housing, legal matters, employment and general consumer advice.

Money Advice Service
Free advice on debt, divorce/separation, setting up a new home, care & disability.

Stepchange Debt Charity
Free advice on bankruptcy, charging orders, employment, benefits, money management and mortgage/repossession support.


Free advice on housing, debt, benefits, eviction & homelessness.

National Debt Line
Free and confidential advice on debt.

Is there something else you're looking for?

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