Make a mortgage payment

You can make mortgage payments over the phone, using your online banking or by visiting one of our branches.

For phone payments, there’s a payment limit of up to £100,000.

Please remember to check your terms and conditions. If you’re making an overpayment above your monthly mortgage repayment, there may be conditions, fees or early repayment charges.

This may also apply to lump sum capital payments, which you can use to either reduce your mortgage term or monthly mortgage payments, if this is within your terms and conditions.

Over the phone

You can now make a payment 24 hours a day by simply calling our Secure Automated Payment line on: 03300 081 604

What you’ll need:

  1. You’ll need your 10-digit mortgage account number (ending in 80)
  2. The postcode of the property on your account (the one you’re making a payment against)
  3. The debit card you wish to make the payment from


If you’ve got online banking, it’s easy to make mortgage payments online. Use the following details:

Name: The name you enter should match the name on your account with us. If you’re paying into a personal account, use your first and last name. If you’re paying into a business account, use the business name registered on the account.

Sort code: 40-64-38

Account number: The first 8 numbers of your existing 10 digit mortgage account number

You can find your mortgage account number in your annual statement or by logging into your account online. If you’ve received letters from us recently, it could also be in there.

Reference: You can choose your own reference

We now use Confirmation of Payee (CoP) which means your details will go through a name checking service when you send money to a Leeds Building Society account. This helps avoid misdirected payments and potential fraud so that you’re more protected when making payments. 

If you make a bank transfer within 24 hours of account opening, you might get a notification to say that the account details can’t be validated by the bank or building society you’re making the transfer from. You can also use the debit card option where available.

For most new accounts, you can deposit up to £50,000 as a debit card payment, but your bank might restrict you to a lower amount. The account you’re opening might also have a maximum deposit limit.

For maximum deposit limits, please see the balances stated in your product terms and conditions.

Direct Debits

Creating a direct debit

To set up a direct debit, call us at least 10 working days before you’d like the direct debit to start.

We’ll then set it up for you. If it’s less than 10 working days, the payment may not be set up in time and you’ll have to make a manual payment that month.

Changing your direct debit

You need to let us know at least 3 working days before your direct debit collection date if you'd like to change it.

You can call us to either set up the new direct debit to start next month, or make a manual payment this month and we’ll cancel the current direct debit.

Other ways you can use our mortgage payment service:

  • Payments against Fees (e.g. Product Transfer Fees or CHAPS fees)
  • Lump sum capital payments (which will be processed as a capital payment and we’ll confirm your new monthly payment in writing)
  • Overpayments (over and above standard monthly amount)
  • Any outstanding arrears (we’re here to help if you’re having difficulty paying your mortgage. Contacting us to find out what options are available won’t affect your credit score)