See if you can switch your existing mortgage to a new product.
If you're struggling with money
Call us – we can help
If you're going through a hard time financially at the moment, and you're worried about your mortgage payments, we want to help. Call our payment difficulties team for free on 0800 923 1547. Our lines are open: Monday to Friday 8:30am to 5:30pm (Closed weekends & Bank Holidays).
One of our specialists can take a look at your income and what you spend, plus any other payments you owe, and see what you can afford to pay. Then they'll go over your options with you and figure out what might work for your situation.
The sooner you get in touch with us, the sooner we can help you get things back on track.
Get more support
There are lots of charities and organisations who may be able to help you if you're struggling with your finances. We've given you a few names below so you can choose the right one for you.
The Money Advice Service
Go to www.moneyadviceservice.org.uk for free:
- advice and guides to help improve your finances
- tools and calculators to help you keep track and plan ahead
- support in person, over the phone and online.
Citizens Advice Bureau
Go to www.citizensadvice.org.uk for plenty of information about how to manage your money and start getting your finances back in shape.
StepChange Debt Charity
Go to www.stepchange.org for free support and advice about practical ways to get on top of your finances.
Go to www.nationaldebtline.org for free information and advice, including their four- step plan to dealing with debt.
Money Advice Scotland
Go to www.moneyadvicescotland.org.uk to be put in touch with a money adviser in your area who can give you free advice and support when it comes to overcoming your money problems.
You might also like to try:
- www.shelter.org.uk for free legal advice and support for homeowners, including how to prevent losing your home
- www.turn2us.org.uk to find out whether you can claim any benefits or other grants to help you if you lose your job or become ill
- www.moneysavingexpert.com for ways to save money and make the most of your income.
Problem with your next payment?
If you don't think you're going to be able to make your next payment then we'd strongly recommend you call our payment difficulties team on 0800 923 1547 to discuss your options. Calls to this number are free from landlines and mobiles. Our lines are open: Monday to Friday 8:30am to 5:30pm (Closed weekends & Bank Holidays).