Your options

If you’re worried about keeping up to date with your mortgage repayments, or think that you may run in to difficulties in the future, it’s important you contact us now.

With your help, we might be able to:

• Arrange a new payment plan, taking your circumstances in to account
• Change the way you make payments, or the date you make them
• Allow you to pay back your mortgage over a longer period of time (which will reduce your monthly payments)
• Change the type of mortgage you have
• Arrange a visit from a debt counsellor to discuss your financial circumstances (the cost of which will be added to your mortgage)

If we can’t offer you any of these options, we’ll tell you why. If we can offer you one of these options, we’ll explain how it would work and give you time to consider it.

If we can't offer any of these options, we might agree to you remaining in the property and selling it yourself depending on your circumstances.