The following FAQs have been designed to answer many of your commonly asked questions. If you cannot find the answer to your question here, please call Customer Services on 0333 300 0426.
Please call Customer Services on 0333 300 0426.
You can make overpayments at any time, for more information click here.
If you would like to make one-off or regular lump sum payments towards your outstanding balance, please contact Customer Services on 0333 300 0426 to request further information.
We will provide you with details of the minimum amount that you can pay and how this payment will affect your account and any future repayments.
If you would like more information on overpaying in general, please click here.
Requests will be considered for an alternative payment date providing it is before the 21st of the month. As we can only take payments by Direct Debit on the 1st of a month, where an alternative payment date is agreed then an alternative method of payment to a Direct Debit will also be required. If we are unable to change the payment date, we will tell you the reason why your request has not been agreed. Click here for further information on how to make payments.
Yes, but you will need to apply for permission from us. If you’ve had your mortgage for at least 6 months, you can rent out your home for 12 months. After this time, we will expect you to either move back into your home or speak to a mortgage adviser about remortgaging to a Buy to Let mortgage.
If you would like our permission to rent out your home, please call us on 0333 300 0921; we’re available Monday to Friday, 9am to 5.30pm. Alternatively, if you have access to our online services, you can send us a message. Please log in or register here.
Yes, but you will need to apply for permission from us.
If you would like our permission to rent out your home, please call us on 0333 300 0921; we’re available Monday to Friday, 9am to 5.30pm. Alternatively, if you have access to our online services, you can send us a message. Please log in or register here.
If you usually make your payments by Direct Debit and the payment has been returned due to insufficient funds being available, we will send you a letter to make you aware of the missed payment. A second attempt will then be made to collect the payment by Direct Debit ten business days later.
If the payment has failed due to reasons other than insufficient funds being available (such as account closure or instructions not to pay), you will receive a letter advising you of the missed payment and we will not attempt to make a second collection by Direct Debit. We will initially attempt to contact you by letter to make you aware of the missed payment.
You may receive additional letters in accordance with your arrears position throughout the month.
You may incur fees and charges as a result of a missed payment including where we have to send letters to you – please refer to your Lender’s current Tariff of Charges and Sundry Fees.
You should contact the Customer Arrears Support Department on 0333 300 0468 to discuss the clearance of your arrears by setting up a payment arrangement with us or discuss other options with a member of our team.
If you are facing repossession action and due in court, you will have been informed in writing by our solicitors of your court hearing date, time and location. Your case may be heard at your local court where a judge and a representative from our solicitors will be present.
If you have not reached a payment arrangement with us and do not provide the judge with definitive proposals, they may declare a Straight Possession Order. This is where the lender can take possession of your property within 28 days (or a multiple thereof).
We suggest you attend the court hearing. If you are able to make reasonable repayment proposals to the court, the judge may make a Suspended Possession Order, which will allow you to remain in possession of the property as long as payments are made in accordance with the order.
You can repay the mortgage in full up until the point of repossession. If you would like to redeem your account, please request a redemption statement.
There are a number of independent, external organisations that you can contact for help and advice. Please click here for further information.
If you wish to make a complaint, please refer to our complaints section which explains how to raise your concerns.
