Existing customers

If you are unable to redeem at the expected time, we will listen to your situation and work with you to try and find a suitable solution.

Any agreed delay to the mortgage being repaid will need to lead to a successful loan redemption and that payments can be afforded by you to cover the interest over the extended period.

You will require financial advice if you are considering this option.

We understand the impact that inflation and the cost of living crisis could be having on you or indeed other circumstances that impact your ability to pay the mortgage. If you are worried about meeting your mortgage payments now or in the future, we are here to help, you can contact one of our team on 0203 846 6822 (lines are open 9am-5.30pm, Monday to Friday excluding public holidays).

We want to understand your situation and any circumstances that are particularly challenging and work with you to find a suitable solution.

It might be useful to complete a budget planner, and download our Income and Expenditure form. This will help show you what borrowing you have got, your fixed and variable costs and what money you have got left over each month to make towards repayment.

You could also check to see if you are eligible for any state benefits or tax credits or if you have an insurance policy that could help with meeting payments. We have included a number of help and advice points in the financial difficulties part of this web site that we recommend you consider using further support.

Contacting us will not impact your credit score or credit profile.

We understand the impact that inflation and the cost of living crisis could be having on you, if you are worried about meeting your mortgage payments now or in the future, we are here to help, you can contact one of our team on 0203 846 6822 (lines are open 9am-5.30pm, Monday to Friday excluding public holidays).

We will listen to your situation and work with you to find a suitable solution.

It might be useful to complete a budget planner, and download our Income and Expenditure form. This will help show you what borrowing you have got, your fixed and variable costs and what money you have got left over each month to make towards repayment.

You could also check to see if you are eligible for any state benefits or tax credits or if you have an insurance policy that could help with meeting payments. We have included a number of help and advice points in the financial difficulties part of this web site that we recommend you consider using further support.

Contacting us will not impact your credit score or credit profile.

Repossession of your home is always the last resort and we have a variety of options available to support you through difficult times and to try and avoid this becoming necessary.

We urge you get in touch and discuss your situation as soon as possible to see how we can help. Getting in touch does not impact your credit file.

It might be useful to complete a budget planner, and download our Income and Expenditure form. This will help show you what borrowing you have got, your fixed and variable costs and what money you have got left over each month to make towards repayment.

You could also check to see if you are eligible for any state benefits or tax credits or if you have an insurance policy that could help with meeting payments. We have included a number of help and advice points in the financial difficulties part of this web site that we recommend you consider using further support.

If repossession is unavoidable, we are committed to:

• sell the property for the best price we can obtain in the prevailing market conditions within a reasonable period of time

• give you reasonable time to remove your possessions from your home.

You should also read the question relating to any outstanding mortgage balance after the property has been sold

At this point we have not however we offer a range of assistance to customers who are experiencing financial difficulties and we strongly urge you to contact us if that is the case. Contacting us will not impact your credit profile.

Yes we agreed to support this scheme at an early stage and if you are experiencing financial difficulty and live in Wales please contact us first so we can discuss your options including the Help to Stay scheme on 0203 846 6822.

Yes this can be arranged although a fee is normally charged for this, please refer to our Tariff of Charges.

Unfortunately, there are times where repossession and the subsequent sale of your home will not cover the remaining mortgage balance.

In these circumstances, you will owe us the amount that is left over and we will contact you as soon as possible to tell you the amount, and 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 be obliged to court to get the money back.

If you are unable to redeem at the expected time, we will listen to your situation and work with you to try and find a suitable solution.

This could include a formal extension, if we think that will provide the best outcome taking into account the financial advice you have received.

Any term extension will need to lead to a successful loan redemption and that payments can be afforded by you to cover the interest over the extended period.

You will require financial advice if you are considering this option.

Contacting us will not impact your credit score or credit profile.

On regulated bridging loans a monthly payment is not normally required as the interest is rolled up. However, we understand the impact that inflation, the cost of living crisis or other financial worries could be having on you, if you are worried about meeting your mortgage commitments now or in the future, we are here to help, you can contact one of our team on 0203 846 6822 (lines are open 9am-5.30pm, Monday to Friday excluding public holidays).

We will listen to your situation and work with you to find a suitable solution.

It might be useful to complete a budget planner, and download our Income and Expenditure form. This will help show you what borrowing you have got, your fixed and variable costs and what money you have got left over each month to make towards repayment.

You could also check to see if you are eligible for any state benefits or tax credits or if you have an insurance policy that could help with meeting payments.

Contacting us will not impact your credit score or credit profile.

On regulated bridging loans a monthly payment is not normally required as the interest is rolled up. However, we understand the impact that inflation and the cost of living crisis could be having on you, if you are worried about meeting your mortgage commitments now or in the future, we are here to help, you can contact one of our team on 0203 846 6822 (lines are open 9am-5.30pm, Monday to Friday excluding public holidays) We will listen to your situation and work with you to find a suitable solution.

It might be useful to complete a budget planner, and download our Income and Expenditure form. This will help show you what borrowing you have got, your fixed and variable costs and what money you have got left over each month to make towards repayment.

You could also check to see if you are eligible for any state benefits or tax credits or if you have an insurance policy that could help with meeting payments.

Contacting us will not impact your credit score or credit profile.

The last thing we wish to do is repossess your home and we will explore with you your circumstances and every option to try and avoid this becoming necessary.

However, rarely repossession does becomes an option if either we are unable to agree on an alternative solution, or releasing you from the financial burden of mortgage payments is the preferred option and obtains for you the best outcome in very difficult circumstances.

If repossession is unavoidable, we are committed to:

• sell the property for the best price we can obtain in the prevailing market conditions within a reasonable period of time.
• give you reasonable time to remove your possessions from your home.

You should also read the next question relating to any outstanding mortgage balance after the property has been sold.

Unfortunately, there are times where the sale of your home will not cover the remaining mortgage balance.

In these circumstances, you will owe us the amount that is left over and we will contact you as soon as possible to tell you the amount, and 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 the money back.