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.

I've already missed one or more mortgage payments

We understand that during times like these it can feel easier to avoid a conversation and hope the situation improves, but it's really important that you get in touch with us so we can help.

I know I'm going to miss a mortgage payment soon

It's really important for you to understand what options are available to you. You can find out more by looking at our commonly asked questions.

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.

Coronavirus: mortgage payment holiday

If your income has been temporarily impacted by Coronavirus and you know you are not going to be able to make your monthly mortgage payments in the short term, you can request a 3 month payment holiday.

  • If your mortgage payments are up to date, you can apply for a payment holiday online. Please visit our dedicated page for more details. 
  • If you've already taken a payment holiday with us, there’s no need to contact us. When your existing payment holiday ends we’ll contact you, before any payment is taken, to let you know the next steps and what additional support we can provide.
  • If you have already missed a mortgage payment, and want to apply for a payment holiday, you will need to call us. It's really important to get in touch as soon as possible.
  • If you already know your circumstances won't or are unlikely to improve, you will need to call us. It's really important to get in touch as soon as possible.

Common questions and how we can help

Independent support available

If you’ve got other debts in addition to your mortgage, you can get free debt advice. We partner with PayPlan (a third party company), who can offer you free confidential advice for all of your debts. 

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.

We're here to help

You can call us on 0800 161 5909 
or 0345 303 0191 (best for mobiles with inclusive minutes).

Lines are open:
Monday to Friday: 8am - 8pm
Saturday: 9am - 5pm

We're currently experiencing extremely high call volumes at the moment, so please bear with us.

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