Go paper-free
Amend paper-free preferences for your statements and communications.
Change your Direct Debit
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.
-
To change your Direct Debit payment date, you can complete our online form. We'll then send a letter to confirm your new payment date once we’ve updated it.
Here are some things to think about before you change your payment date:
- You can only choose a date between 01 and 28 of the month.
Your payment date needs to be the same each month. - The best day of the month to make your monthly payment is 01.
This is when we charge the smallest amount of interest for the month. For most accounts, we work out the interest daily. - If you make a change within seven working days of your current payment date.
It won’t start until the next month. - You might make two payments in a short space of time.
For example, if your current payment date is at the end of one month and you change it to the start of the next. - Sometimes, changing your payment date might make your payment amount go up or down.
We’ll tell you if this is the case. Usually, any changes are fairly small.
Alternatively, you can change your Direct Debit payment date by calling us on 0345 727 3747. Our lines are open Monday to Friday 8am – 8pm and Saturday 9am – 4pm. We’re closed on Sundays and bank holidays.
We’ll send a letter or text message to confirm your new payment date.
- You can only choose a date between 01 and 28 of the month.
-
By post:
Please complete and return our Direct Debit instruction form (PDF, 37KB). You’ll find the address to post it back to us at the top of the form.By phone:
You can also call 0345 727 3747 to change your Direct Debit details. We’re available Monday to Friday 8am - 8pm and Saturday 9am - 4pm. We’re closed on Sundays and bank holidays.We’ll automatically update your account and let you know when your new Direct Debits will start.
Your new Direct Debit will be covered by the Direct Debit Guarantee. You can find out more on the Direct Debit instruction form.
-
If you’ve cancelled a Direct Debit and would like to restart it using the same bank details.
Complete our quick online form to set it back up.If you’ve cancelled a Direct Debit more than two months ago and don’t bank with us.
We might need to contact you for more details after you’ve completed our form.
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 10 working days after the first Direct Debit has failed. For example, if your Direct Debit was due on Monday 01 of the month, the second attempt will be made on Monday 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.
Having trouble paying your mortgage?
Please don’t ignore the problem - visit our Mortgage support page or get it in touch.
