Dealing with financial difficulties

Struggling financially

Are you worried about the rising cost of living?

The rising cost of living means we are paying more for essentials such as food, energy and fuel. It's worrying and you may be tempted to ignore the situation, hoping things will improve.

Use our budget tool to help you understand what you're earning and spending. This could give you an idea of how much you spend on essentials and help you see where you might be able to cut costs.

How we can help you

We are here to help you if you're experiencing financial difficulties.


Providing you with everyday financial support

Gone overdrawn on your account or worried that you could go overdrawn soon?

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Loan repayments

Concerned about monthly loan payments?

Have you missed a loan repayment or are worried that you could miss a monthly payment?

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Having difficulty paying your monthly mortgage?

If you are struggling to make your mortgage payments then we are here to help you.

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Worried about changes to mortgage interest rates?

If your current mortgage rate is due to expire, you might be worried about how much your new mortgage payments could cost. 

Our mortgage rate change calculator can help you see how a change of interest rates could affect your monthly mortgage payments.

Need a repayment break?

If you are struggling to cover your loan or mortgage repayments, you might want to apply for a 3-month repayment break.

At the end of your payment break, you will be required to cover the payments you would have made and interest that has built up during the break period.

Have you tried our alerts service?

With our range of alerts you can stay up to date with your finances and keep track of certain changes to your account. Criteria apply.

Latest fraud scams

Do you know the latest scams doing the rounds? It's important you can recognise the tell-tale signs because fraud often increases during times of uncertainty.

Would it be good to discuss your finances?

If you are worried about your personal finances, a Financial Health Check could help. Discover helpful hints, tips and ideas to help keep you financially fit.

It’ll focus on your needs and goals and could help you to make better decisions about your finances, now and in the future.

Helping you save a little every time you spend

With Round Ups on our mobile app, pay with your debit card or contactless device and we'll round up the amount to the nearest pound, sending the spare change to your savings account.

Rounding up to the nearest pound might not sound like much however the pennies soon add up. Criteria apply.

Money saving hints and tips

Independent support available