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 to get in touch. Our dedicated colleagues will talk you through your current finances and the options available to you. In the section below you can find out more about what we'll need to know when you contact us.

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 impacted by Coronavirus and you know you are not going to be able to make your monthly mortgage payments, you can request a 3 month payment holiday.

  • If your mortgage payments are up to date, you can apply for a payment holiday using our online form. Please visit the Manage my mortgage page for more details.  
  • If you have already missed a mortgage payment, and want to apply for a paymeny holiday, 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

We're here to help

To speak to our dedicated team call us on 0800 161 5909 
or 0345 303 0191 (best for mobiles with inclusive minutes).

Lines are open:
8am - 8pm (Mon – Fri)
9am - 5pm (Sat) 

We are currently experiencing extremely high call volumes as our customers and colleagues adapt to the impacts of coronavirus. Please bear with us,  we're doing our very best to get to you as soon as we can.

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.

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.

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.

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