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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.
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Managing your mortgage direct debit is easy in our mobile banking app or by using online banking. Just head to the HelloHome space.
With HelloHome, you can:
- view your current direct debit details
- change your direct debit date
- change the bank account from which your direct debit is collected
- change the bank account and date for your direct debit.
You can also update your direct debit payment date using our online form. Once we’ve updated it, we’ll send written confirmation to you.
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. - 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 call us to change your Direct Debit payment date.
We’ll send a letter or text message to confirm your new payment date.
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Managing your mortgage direct debit is easy in our mobile banking app or by using online banking. Just head to the HelloHome space.
With HelloHome, you can:
- view your current direct debit details
- change the bank account from which your direct debit is collected
- change your direct debit date
- change the bank account and date for your direct debit.
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 us to change your Direct Debit details.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.
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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?
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.
Worried about future payments?
Don’t ignore the problem get support with your mortgage.
You can also call us so we can help and discuss your options.
Already missed a payment?
We can now give you even more help online to meet your needs.
In the app
Search for ‘Need help with your debt or payments’ or select the three-dot menu to find it.
Online banking
On a phone
Select the ‘Our products and services’ tab. Then select ‘Need help with debt or payments?’ under ‘Mortgages’.
On a computer
Select ‘Need help with your debt or payments?’ on the account menu.
If you prefer to speak to someone, you can call us.
Get set up online
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If you're not registered for online banking, you can call us. We also offer a range of other services in your local area.
You could lose your home if you don’t keep up your mortgage repayments
