Help us understand your situation by completing our questionnaire. Alternatively, we can go through this with you either over the phone or in branch.

Call us on 0800 781 4311 or visit one of our branches in the North West

We’ll need to speak to a named contact on the mortgage - or a third party authority if you have one, such as an appointed power of attorney.

We’ll only ever talk to anyone we have the authority to do so, based on your mortgage arrangement and personal circumstances.

All of your information will be stored securely by us. The details surrounding your circumstances will be referenced in your mortgage account notes so that members of our specialist team are aware of your current situation and can help at any time required.

If we need to instruct someone to visit your home in person, we’ll send them your information so that they can help us help you. This would usually only be if we are struggling to make contact with you.

A mortgaged property may be repossessed if you don't keep up with your repayments. We’ll always do our best to keep you in your home and repossession would be a last report.

We won’t take any action without discussing it with you first, providing you remain contactable. Please ensure you get in touch with us as soon as possible if you think you may struggle to make your next mortgage repayment.

Please be cautious in the event you are offered additional finance from elsewhere. We advise you speak to us first or seek independent advice before considering such an arrangement.

Please use the information on our website to help you. You may also find it helpful to speak to MoneyHelper, which provides free and impartial money guidance for people in the UK.

Alternatively, StepChange offers expert debt advice and free debt management support.

If you think you may miss a mortgage repayment, please contact us as soon as possible. We’ll need to speak to a named contact on the mortgage - or a third party authority if you have one, such as an appointed power of attorney.

We’ll only ever talk to anyone we have the authority to do so, based on your mortgage arrangement and personal circumstances.

All of your information will be stored securely by us. The details surrounding your circumstances will be referenced in your mortgage account notes so that members of our specialist team are aware of your current situation and can help at any time required.

If we need to instruct someone to visit your home in person, we’ll send them your information so that they can help us help you. This would usually only be if we are struggling to make contact with you.

A mortgaged property may be repossessed if you don't keep up repayments on your mortgage. We’ll always do our best to keep you in your home and repossession would be a last report.

Rest assured, we won’t take any action without discussing it with you first providing you remain contactable. Please ensure you get in touch with us as soon as possible if you think you may struggle to make your next mortgage repayment.