If you’re worried about meeting your mortgage payments now or in future, we’re here to help.
But to help we need you to get in touch, we promise to treat you fairly and listen to your situation. Once you get in touch we can work with you to try to find a suitable solution.
We’ve found that people don’t always consider checking to see if you’re eligible for any state benefits/tax credits or if they have an insurance policy that may help with payments.
You can get free, independent and impartial advice from these organisations:
If we can’t agree a solution
This doesn’t always mean we’ll start court proceedings – we may send a Field Agent to see you to discuss your financial circumstances – repossession is always the last resort.
If repossession is unavoidable, we will:
If selling your home does not raise enough money to pay off the mortgage
Unfortunately, there are times where the sale of your home doesn’t cover the remaining mortgage. In that situation, you will still owe us the amount that is left over.
We will contact you as soon as we can to tell you what this is and to work with you to arrange a payment plan. If this debt is not repaid it could affect whether you are able to get credit in the future.
If we cannot arrange a suitable plan we may go to court to get our money back.