Money worries

It’s vital that you talk to us if you’re having problems with your mortgage payments, as if you fall behind on payments, your home could be repossessed.

If you can't pay your mortgage or miss a payment please contact us on 0800 389 7000 as soon as possible. Before you call us please take a few minutes to write down exactly what you have coming in and out of your accounts each month. A budget planner can help with this. If you don’t have one to hand you can find some in our ‘Taking control’ section above.

This will help us to understand your circumstances and establish the correct and most affordable option for you.

If you have lost your job or recently retired, ensure you speak to the Department for Work and Pensions (DWP) to check if you are eligible for 'Support for Mortgage Interest'. For more information visit dwp.gov.uk

When you speak to us, we may be able to help in a number of different ways:

• If you can't offer a regular payment plan right now due to financial difficulties, or if you're currently seeking help assessing your finances from an independent third party, please let us know. We will work with you or your nominated third party adviser to offer an appropriate solution.
• We may be able to offer you a short term payment arrangement.
• Or potentially reduce the monthly payments by refinancing your mortgage.

Terms & conditions apply.

Our ‘How we can help you' section will explain in detail why it's important that you come to an arrangement with us.

Once you agree a payment plan, we'll expect you to honour it. Only agree payment plans that you realistically expect to pay. If your circumstances change and you cannot keep up the arrangement, contact us immediately.

Remember, there are possible penalties for late or missed payments. They could be arrears charges or additional interest.

Any agreement to pay less than your contractual monthly amount may affect decision making when applying for products with Santander and other lenders and may also increase the amount you repay over the term of the mortgage or loan secured on your property.

If your personal current account has an overdrawn balance or you are exceeding your overdraft limit, it's very important that you contact us on 0800 587 1122.

Before you call us please take a few minutes to write down exactly what you have coming in and out of your accounts each month. A budget planner can help with this. If you don’t have one to hand, you can find some in our ‘Taking control’ section above.

If you’re overdrawn, exceeding your overdraft limit or regularly incurring charges, please read our understanding overdrafts page. Additionally, check if you still need all of your Direct Debits and standing orders. If so, can the monthly amount be reduced or due dates be changed to coincide with money being paid into your account?

Depending on the type of account you have we may be able to help in a number of different ways.

Find out more by calling us on 0800 587 1122 or visit your local branch

Our ‘How we can help you' section will explain in detail why it's important that you come to an arrangement with us.

If you can't offer a regular repayment plan right now due to financial difficulties, or if you're currently seeking help from an independent third party about assessing your finances, please let us know. We'll work with you or your nominated third party adviser to offer an appropriate solution.

Remember: A potential outcome for a bank account being overdrawn or exceeding an agreed overdraft and entering a repayment agreement could be that it starts affecting your credit file and internal credit score. This could affect what happens when you apply for products with Santander and other lenders.

If you’ve missed a payment and can’t repay the amount outstanding, we may be able to offer you a short term payment arrangement. It's very important that you contact us on 0800 389 6655 as soon as possible to avoid late payment charges. Before you call us please take a few minutes to write down exactly what you have coming in and out of your accounts each month. A budget planner can help with this. If you don’t have one to hand you can find some in our ‘Taking control’ section above.

This will help us to understand your circumstances and establish the correct and most affordable option for you.

When you speak to us, we may be able to help in a number of different ways:

• if you've missed a payment and can't repay the amount outstanding we may be able to offer you a short term payment arrangement.
• if you can’t offer a regular payment plan right now, or you’re seeking independent help from a third party, we'll give you up to 30 days ‘breathing space’ to help you have time to review your finances or receive independent advice. If this is the right option we’ll explain how it works when you speak to us.

Any agreement to pay less than your contractual minimum monthly amount due may affect your credit file and decision making when applying for products with Santander and other lenders.

We also have a guide to help manage your credit card payments and helpful tips on clearing your credit card debt in our ‘Your credit card repayments’ page.

If you can't pay your personal loan, or you miss a payment it's very important that you contact us on 0800 678 3322 as soon as possible. Before you call us please take a few minutes to write down exactly what you have coming in and out of your accounts each month. A budget planner can help with this. If you don’t have one to hand you can find some in our ‘Taking control’ section.

This will help us to understand your circumstances and establish the correct and most affordable option for you.

When you speak to us, we may be able to help in a number of different ways:

• if you've missed a payment and can't repay the amount outstanding, we may be able to offer you a short term payment arrangement.
• if you can't offer a regular repayment plan right now due to financial difficulties, or if you're currently seeking help from an independent third party about your finances, please let us know. We'll work with you or your nominated third party adviser to offer an appropriate solution.
• we may be able to reduce the monthly payments by refinancing your loan.

Our ‘How we can help you' section explains in detail why it's important that you come to an arrangement with us.

Only agree a payment plan that you realistically expect to be able to pay. Once you agree a payment plan, we will expect you to honour it. If your circumstances change and you can’t keep up the arrangement please contact us immediately.

Any agreement to pay less than your contractual amount may affect decision making when applying for products with Santander and other lenders. It may also increase the amount you repay over the term of your loan.