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It’s easy to make a change to your mortgage Direct Debit.
Any changes made within seven working days of your current payment date won’t start until the next month.
Changes to the amount you pay
Your Direct Debit will automatically change if your mortgage payment changes. For example, when a change in interest rate affects the payment amount.
If you set up a regular overpayment, we’ll update your existing Direct Debit to the new higher amount.
Learn more about regular overpayments
If you make a one-off overpayment, you might be able to reduce your monthly Direct Debit payments.
Learn more about one-off overpayments
If there are any changes, we'll always get in touch - you don’t need to do anything.
Think you might need to miss a payment?
Please call us on 0345 727 3747 so we can help and discuss your options. We’re available Monday to Friday 8am-8pm and Saturday 9am-4pm. We’re closed on Sundays and bank holidays.
If your Direct Debit has failed or you think it will
We’ll try to take your payment again 14 calendar days after the first Direct Debit has failed. For example, if your Direct Debit was due on 01 of the month, the second attempt will be made on 15 of the month. If your Direct Debit payment is on a bank holiday, we’ll take it the next working day.
If the second Direct Debit attempt is made on the following month, this could impact your credit file.
If you’ve made or want to make a payment to avoid the second attempt, please call us on 0345 727 3747.
Already missed a payment?
If your Direct Debit has failed both attempts, please call us on 0800 023 2679, so we can help and discuss your options. We’re available Monday to Friday 8am - 8pm and Saturday 8am - 5pm. We’re closed on Sundays and bank holidays.