If you’re affected by the ongoing situation in the Middle East, we’re here to help. We know this is a difficult time for many people, so we’ve put together some resources if you’re worried about rising costs.
Worried about rising energy costs?
- We’ve put all our energy cost information together with simple tips in one place, visit our rising energy costs webpage to find out more.
- We've partnered with Youtility, so you can compare and switch energy deals using My Home Manager in our app. Find this by tapping 'More options' then 'My Home Manager’.
- We’re working with Turn2us to ensure everyone is claiming what they’re entitled to, use their Benefits Calculator to check you’re not missing out.
I’ve missed a monthly mortgage payment
Here’s what you can do
- 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.
- Use our budget planner to help you understand how much money you’ve got coming in and out.
I think I might miss a monthly mortgage payment
Want to know more about the Mortgage Charter?
- 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.
Thinking about changing your current mortgage deal?
- If you’re on a fixed rate deal that ends in more than 4 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 4 months or our Standard Variable Rate, Follow-on Rate or a tracker rate.
- For more information, visit our change your mortgage page.
Want to know about the options that might be available to you?
You could think about reducing your monthly payments to an amount you can afford. This will result in your mortgage going into arrears and will impact your credit score.
There may be other options available to you, depending on your current situation.
To find out more, you’ll need to talk to us. When getting in touch, please have the following to hand:
- your income details
- a breakdown of your average weekly or monthly spending.
How can I get more from my home?
- 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.
Independent help & support
Speak to one of our partners to see if they can give you a helping hand.