Mortgage assistance

Having difficulty paying your mortgage?

Worried about missing a mortgage payment?

If you are worried about missing a payment on your mortgage then our friendly team is on hand to help you. We’ll listen to your concerns and walk you through the options available to help you.

For some practical tips and links to independent agencies who can give you support and advice, please visit our dealing with financial difficulties webpage.

Support when you need it

If you have a mortgage with us and are struggling to cover the monthly payments, you may want to consider a temporary:

  • Mortgage payment break
  • Reduction in mortgage repayments

Another option could be to restructure your mortgage, reducing your monthly payments by extending the term of your mortgage.

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

Eligibility criteria and conditions apply.

Common questions

Practical actions that you can take

Free debt advice

Obtain free debt advice

Reduce outgoings

Reduce your outgoings

Additional support

Check if you're eligible for support

Prioritise debts

Consider which debts to pay first

Top tips

Tips on things to avoid

How to get in touch

Your call or visit will be more effective if you provide some important information such as:

  • your mortgage account number (it’s on your annual statement or mortgage paperwork we send you)
  • your income including any benefits you receive
  • your bills
  • other outgoings

You should be able to find most of this information on your bank statements.

Our local contact numbers

Lines are open Monday to Tuesday 9am - 5pm, Wednesday 10am - 5pm and Thursday to Friday 9am - 5pm (except public holidays). Calls may be recorded.


01534 282850


01481 703860

Isle of Man

01624 637190


00350 200 77737

International customers

+44 (0) 1534 282300

Something else we can help you with?