If you can't meet your mortgage repayments, or you're worried you might fall behind, it's important to contact us as soon as possible. We have procedures for handling payment difficulties and we'll try to help. Call us on 0800 954 2092 to discuss payment difficulties.

Before contacting us, it is important that you have an up to date breakdown of your financial circumstances. Filling in our Income and Expenditure Form will help you. To download a copy, please click here and complete as much information as possible. This information will help us be better equipped to arrange payment plan that suits your needs.

(Please note to fill the Income and Expenditure Form in electronically then you will need the latest version of Adobe Acrobat Reader. This can be downloaded directly through the link at the bottom of the page or alternatively through the Adobe website.)

Call us on 0800 954 2092 to discuss payment difficulties.

If you have been sent an arrears or default notice and there may be action against you, we have included here some important information from the Office of Fair Trading (OFT) to help you.

If you have received an Arrears Notice please click here

If you have been sent a Default Notice please click here