Are you having trouble paying your mortgage?

Find out how we can help

If you find yourself in financial difficulty and you’re struggling to pay your mortgage, we will try our very best to help you.  The earlier you get in touch with us the better, as we will have more options to help you.  Having a conversation with us will not impact your credit file.

Below explains how we will treat you fairly and the steps you can take to help yourself.

When you contact us, we will listen to your current situation.  We will ask you to complete an income and expenditure form which will give us a clear idea of where your money comes from and where it goes.

Once we have spoken to you there might be options open to you that include:

  • • Arranging a new payment plan which will suit both of us.
  • • Changing the way you make your payments or the date you make them.
  • • Allowing you to pay back your mortgage over a longer period of time (which would reduce your monthly payments).
  • • Offering temporary conversion of your mortgage to interest only, which may reduce the amount you pay each month.
  • • We can also provide details of organisations and charities that can help you and offer advice.  We have a guide available on our Knowledge Hub that you may find helpful.
  • •Tell us as soon as possible if you are having problems repaying your mortgage or if you think that you might experience problems soon.
  • •You can also respond to us as quickly as possible if we contact you.
  • •Make sure you keep any other people paying the mortgage, and anyone guaranteeing the mortgage, up to date with what is happening.
  • •Seek debt advice if you would like help with managing your finances. Our Cost of Living guide is available here and details organisations that offer free advice.
  • •Check whether you can get any state benefits or tax credits, which could help to increase your income.
  • •If you have an insurance policy, check whether it would help with your payments.

We are committed to supporting our Members.  We make no charges if you have a mortgage payment shortfall.

Once we have been through the review steps, we’ll tailor a plan that could help you get back on track. You may find it useful to meet an independent financial/debt advisor to discuss  your tailored plan.

Other useful information

Visit our Cost of Living guide, which details charities and organisations that may be able to help you.

Call our helpful team on 01257 235 001 or email

Read the guide ‘What to do if you can’t pay your mortgage‘ from the Building Societies Association and the National Debtline