Cost of living support

If you’re feeling the pinch, you’re not alone. We’re here to help and get you back on track. We’ve got options to help if you’ve missed a monthly mortgage payment or think you might.

I’ve missed a monthly mortgage payment

Here’s what you can do

Go to our pay or manage an overdue amount page to understand how to make a payment or get help from us.
You should also contact us if you need to talk about or change an existing arrangement.
Use our budget planner to help you understand how much money you’ve got coming in and out.

I think I might miss a monthly mortgage payment

Want to know more about the Mortgage Charter?

We’ve signed up to the Mortgage Charter to support you with rising interest rates.
Take a look at our mortgage support page for information about how the government’s Mortgage Charter could help you.

Thinking about changing your current mortgage deal?

If you’re on a fixed rate deal that ends in more than 4 months’ time, you’ll need to pay the early repayment charge (ERC) to leave your current deal early.
There’s no ERC to pay if you’re on a fixed rate deal that ends in about 4 months or our Standard Variable Rate, Follow-on Rate or a tracker rate.
For more information, visit our change your mortgage page.

Want to know about the options that might be available to you?

You could think about reducing your monthly payments to an amount you can afford. This will result in your mortgage going into arrears and will impact your credit score.

There may be other options available to you, depending on your current situation.

To find out more, you’ll need to talk to us. When getting in touch, please have the following to hand:

your income details
a breakdown of your average weekly or monthly spending.

How can I get more from my home?

Choose your mortgage account in the mobile app and tap on My Home Manager
You can compare mobile, broadband and TV deals and find out what you can do to improve your home’s energy efficiency.

Independent help & support

Speak to one of our partners to see if they can give you a helping hand.

Talk to us

We understand that debt can be difficult to talk about.

If you think you might miss a payment on any accounts with us, we can help. Simply speaking to us won’t affect your credit file.

We’re here to support you and can help to get you back on track.

Get in touch