Help with payment difficulties

Mortgages are a long-term financial commitment and we understand that your circumstances may change during your mortgage term. If you're worried about paying your mortgage, we appreciate it's a daunting time but it's important to remember you're not alone and there is lots we can do to help.

The sooner you contact us, the sooner we can help. Our team have lots of experience in supporting customers with payment difficulties and they will consider your individual circumstances and treat you with consideration and fairness at all times.

Whilst we always recommend you speak to us as soon as possible to discuss your situation, there is a range of other information in this section that you may find helpful. This includes useful links to a range of external organisations, plus some examples of customer case studies to illustrate the type of support we could potentially provide and how this could benefit you.

Support for customers in arrears

If you have already fallen behind and are in arrears with your mortgage payments we have a dedicated team who can help. If you are already in contact with us to discuss your situation or have made a specific payment arrangement, then please refer to any contact numbers provided on the literature we have sent you.

Alternatively, call us on the appropriate number below to speak to a member of the team. The sooner you speak to us, the sooner we may be able to help.

Bradford and Bingley

If you have a Bradford & Bingley mortgage please call us on 0844 892 1822.
Lines are open on Mon-Fri from 9am to 8pm and on Sat from 9am to 1pm..

Mortgage Express

If you have a Mortgage Express mortgage please call us on 0844 892 1821. Lines are open on Mon-Fri from 9am to 8pm, Sat from 9am to 1pm

If you have a mortgage that was originally taken out with GMAC, Kensington or Close Brothers and subsequently transferred to Mortgage Express please call 0844 892 1820

Lines are open on Mon-Fri from 9am to 8pm and on Sat from 9am to 1pm..

If you think you may experience future payment problems

If you think that you may experience payment problems in the future, but are not currently in arrears, please contact us as soon as possible.

We appreciate that most people will have payment concerns at some point during the term of their mortgage and we can discuss options that can help make sure you don't get behind with your payments.