Financial difficulty

What if I'm having trouble paying my mortgage?

We understand worrying about paying your mortgage either now or in the future can cause a great deal of stress, but it’s important to talk to us now, so please do get in touch.


Our friendly team based in the UK, help thousands of customers every year, and are on hand to help you.


We’ll listen to you and walk you through the options available to help. You don’t have to have missed a payment to benefit from discussing your worries.

Get in touch

We're here for you

Before you call

It makes your call to us far more effective if you have to hand some important information.


  • Your Mortgage Account Number (it's on your annual statement or any mortgage paperwork we have sent you)
  • Details of all of your income, including any Benefits you receive
  • Details of all of your bills
  • Details of all of your other outgoings

You should be able to find most of this information on your bank statements or by reviewing your online banking account. You can also use the Money Advice Service Budget Planner to help you get these things together.


What to expect when you call


When you call us we will take the time to understand your situation. We will talk through your income (including any Benefits you receive) and your expenditure (including all of your bills and outgoings). We will then talk to you about the options available to help you. 




Call now on:
0800 161 5909


0345 303 0191

(best for mobiles
with inclusive minutes)

0121 566 4543


Our opening hours are:
8am-9pm Monday – Friday 
9am – 5pm on Saturday 
9am – 2pm on Bank Holidays





The Money Advice Service, provides free impartial independent advice and information on how to manage your money better. Clicking on the links to the tools and guides below will take you to the Money Advice Service website where you will have access to all of their information. 

Helpful Tools

Useful tools from the Money Advice Service

Find out how to plan your budget.

Use the quick and easy debt health check to find out if you need to take action to reduce your debts.

Use the cut back calculator to find out how you can make savings on things that you buy regularly.

See your money priorities, and get a plan that helps you meet your money goals with the Money Health Check. 

Frequently Asked Questions

What other people are asking us

Any Questions?

Helpful banking

Protecting your money

We are a member of the Financial Services Compensation Scheme (FSCS). The Scheme can pay compensation to customers if they are eligible and the Bank is unable to pay claims against it. Compensation limits for Mortgage advice and arranging (for business conducted on or after 31 October 2004) - maximum £50,000 i.e. 100% of first £50,000 per person. Further information is available here  ( 650K PDF) or visit www.fscs.org.uk.

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