Cost of living support

If you’re feeling the pinch, you’re not alone. We’re here to help and get you back on track.

Have you missed a payment on your mortgage or think you are going to?

Go to our pay or manage an overdue amount page to understand how to make a payment or get help from us.
You should also contact us if you need to talk about or change an existing arrangement.
Using a budget planner helps you to understand how much money you’ve got coming in and out.

We’ve signed up to the Mortgage Charter to support you with rising interest rates.
Take a look at our mortgage support page for information about how the government’s Mortgage Charter could help you.

If you’re on a fixed rate, your payments won’t change until your current deal ends no matter what happens to the Bank of England base rate.
If you’re on a variable rate, the amount you pay may change when the Bank of England base rate changes. Your payment change letter will arrive at least 7 days before the first new payment is due and it’ll tell you exactly how much your new payments will be.
Take a look at our how the base rate impacts your mortgage page for more information.
We’ll write to you before your deal ends to remind you of your options.

Have a look at our mortgage calculator to see what your new monthly payment could be.
You can start making a change by clicking ‘Manage my Mortgage’ after you’ve logged on to Mobile or Online Banking.
If you want to make changes to your existing deal, you can also use our online tool

If you’re on a fixed rate deal that ends in more than 6 months’ time, you’ll need to pay the early repayment charge (ERC) to leave your current deal early.
There’s no ERC to pay if you’re on a fixed rate deal that ends in about 6 months or our Standard Variable Rate, Follow-on Rate or a tracker rate.
For more information, visit our change your mortgage page.

Choose your mortgage account in the mobile app and tap on My Home Manager
You can compare mobile, broadband and TV deals and find out what you can do to improve your home’s energy efficiency.

The price of everyday items is going up, but there are things you can do to potentially save money. Have a look at our ways to cut your spending page for ideas on how to reduce your outgoings.
See our energy costs page for tips on reducing your bills, getting help and support, and how to protect yourself against fraud and scams.

You can view your mortgage balance, payment amount and interest rate, including if you’re on a fixed rate, in Mobile or Online Banking.
Use our financial health check for a personalised review of your finances. Answer a few quick questions to get recommendations on how you can improve your financial fitness.
Our quick budget calculator is a tool you can use for a personal, anonymous review of your finances, giving you a clear view of your incomings and outgoings.
You can use a benefit calculator like this one from turn2us to see what benefits you may be entitled to, so you can make sure you aren’t missing out on anything.
Visit our independent help and support page for details of organisations who can provide free financial advice or help with your mental health.

We understand that debt can be difficult to talk about.

If you’ve missed a payment or you think you might (on any accounts with us), we can help. Simply speaking to us won’t affect your credit file.

We’re here to support you and can help to get you back on track