Help with your mortgage payments

How to find more help and support

Apply for a plan or a hold that works for you

We can now give you even more help online to meet your needs – whether you’re behind with payments and want a plan or simply need a hold and some time to get advice.

We'll ask you a few quick questions first and then we'll see if we can:

  • come up with a plan to help you pay off the amount you're behind by
  • give you a hold and the time and space to get some free independent help and advice
  • set up a temporary plan to lower or stop your payments for a while - this isn't a payment holiday

Start your plan

Think about the impact

All our options are different, as they're designed around you. But they may have an impact on you too.

Before you apply, do make sure that you:

  • understand what your account will look like when a plan or hold ends - as not all of them will bring your account up to date
  • know how it might affect interest and your credit score

So please read it carefully.


Other options you may want to think about

Product switch

If you’re in the last 3 months of your current mortgage, or you’re on a standard variable rate, you might want to think about switching to a new deal.

  • You could reduce your monthly payment amount
  • Save more in the long term if you switch to a lower interest rate
  • No legal fees or valuation charges

Learn more about switching deals

Other options to reduce your payments

Talk through your options, including extending your mortgage term or moving to an interest-only mortgage. We’ll explain all the choices available to you.

  • Make your payments more affordable
  • Find the right solution for your needs with some expert help from us
  • Talk to us from home and no need to visit a branch

Contact us


Or you could fill out a budget and call us

So we can get a better feel for your finances, you could fill out an online budget with us.

  • When you've done this, we'll give you a unique reference number and ask you to call us
  • We'll use this number to talk through your options with you when you call

If you want help with this budget or would prefer to talk to us, please call the number on the next page.

Go to 'Your budget'

Extra support

There is also lots of expert advice out there. Find out more on the money worries pages of our website.

Free independent help and advice

You could lose your home if you don’t keep up your mortgage repayments