If you’re worried how you’ll pay all your bills and need help managing your finances, please complete our questionnaire as soon as it is convenient to do so. A member of our friendly specialist team will review the information you have provided and we’ll contact you to discuss it further.

If you’re struggling to keep up with your repayments, please contact us as soon as possible. We’ll be able to discuss your options and advise the next steps to take. The sooner you get in touch, the better.

Call us on 0800 093 2355. Our phone lines are open 9am - 5pm Monday to Friday.

We’ll talk to you and explore solutions that you can afford. These could include:

• Arranging a mortgage payment concession - an affordable monthly amount over a set period of time that’s less than you’re currently paying.
• Adjusting the terms of your mortgage - you’ll make interest-only payments on your mortgage for a short period of time, rather than capital gains.
• Extending your mortgage term - reducing your monthly payments by spreading the cost of your mortgage over a longer term. However, this usually costs more in the long run.

The solution we recommend will be based on your individual circumstances and your ability to meet our terms of acceptance.

If you’re experiencing financial hardship that affects your ability to pay your mortgage we’ll work with you to find an appropriate solution.

In this situation, it’s likely that that one or more of the following will be affected:
● How much interest you’re charged during your mortgage term
● The amount you owe in mortgage arrears
● Your ability to borrow money or get credit in the future

It’s also worth remembering that we provide information to credit reference agencies on a monthly basis, which means any missed payments could negatively impact your credit score.

If you’re due to reach the end of your fixed rate mortgage in the next twelve months and you’re concerned about the cost of switching your deal, please contact our mortgage department. We’ll be able to discuss your options and advise the next steps to take. Call us on 0800 093 2355 - our phone lines are open 9am - 5pm Monday to Friday.

You’ll also find more information in our section on Switching Your Furness Mortgage here.

We have an Income and Expenditure form that you may find useful on which to note down all of your payments and outgoings. You’ll find this on our website here or alternatively you can call us on 0800 093 2355 and we’ll send one to you.

Check out our article which explains the difference between essential and non-essential expenditure here

Yes. We’ve created a list of ways you can cut spending to help free up some cash in your budget. Read our article here

Yes, we’ve compiled a series of tools and resources on our website which you may find helpful in enabling you to better budget and plan for the future. If you’d like to speak to us, help us understand your situation by completing our questionnaire.

You may find MoneyHelper useful - this is a government-funded website which is free to access and use. In addition, StepChange is a free and independent charity which provides free, confidential money advice and debt management support. You can also call StepChange on 0800 138 1111.

Checking whether you’re eligible for any additional benefits is a very worthwhile exercise to ensure you’re taking advantage of all the financial help available to you. This can be completed via the MoneyHelper website 

As long as you remain in contact with us when you’re having difficulty making your mortgage repayments, we won’t take any action without discussing it with you first. It’s really important you contact us as soon as possible so that we can help.