We're supporting the Mortgage Charter, which was announced on 23 June to provide further help if you're worried about your mortgage payments.
Don't worry - speaking to us won't affect your credit file in any way
If you think you might not be able to pay for your mortgage, it's important that you tell us as soon as possible. Our friendly advisers are ready and waiting to find the best solution for your situation, so please don't feel worried about the conversation. Even if you've not missed any payments yet, we can make a plan that helps your mortgage feel more affordable.
We have our own budget planning tool you can use if you have a mortgage with us. Simply use your mortgage account number to log in, and create a password.
If your prefer to print something out, or want to take a quick glance at how to budget, you can use the PDF version of our budget planner.
View our handy budget planner PDF for more examples.
It's really important to understand what your priority and non-priority debts are. Priority debts have the most serious consequences if your payment is late or missed, so you should pay these first. Take a look at the table for some examples of the different types of debts.
If you think you might not be able to pay for your mortgage, it's important that you tell us as soon as possible. Our friendly advisers are ready and waiting to find the best solution for your situation, so please don't feel worried about the conversation. Even if you've not missed any payments yet, we can make a plan that helps your mortgage feel more affordable.
The budget planner is on Paylink's website.Simply use your mortgage account number and create a new password to log in. To complete the budget planner, you'll need to tell us about your income and what you spend your money on.
This will take you to the Paylink website. Paylink Solutions Limited is authorised and regulated by the Financial Conduct Authority.
After completing your budget planner you can book an appointment either at the end of the online tool or speak with one of our advisers who can suggest the best outcome for you.
Our lines are open Monday to Thursday 8am to 7pm, Friday 8am to 5pm and Saturday 9am to 12.30pm. We're closed on bank holidays.
We want to find the best option for you, so we'll need to get a clear picture of your situation. To do this, we'll:
Don't worry - speaking to us won't affect your credit score in any way
Temporary Interest Only means that you'll only pay the monthly interest for 6 months. There won’t be a reduction in your mortgage balance during the agreed period. The overall cost of your mortgage will increase.
Term extension means extending the term of your mortgage so you pay less each month. It’ll take longer to pay off your mortgage, you'll pay more interest, meaning the total cost will be more.
If you want to combine switching to a new product with switching to interest only for 6 months or extending your term please call us on 03450505062
We've agreed to sign up to the Mortgage Charter scheme which is being backed by the government to help customers with the increasing rise of interest rates.
Visit our dedicated page that explains everything you need to know and how to apply.
Mortgage CharterYour property could be repossessed if you don't keep up your mortgage repayments.
