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. We can look at options such as pausing or reducing your payments, extending your mortgage term or creating a repayment plan tailored to your situation. The sooner you get in touch, the better.

Call us on 0800 781 4311. Our phone lines are open 9am - 5pm Monday to Friday.

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 781 4311 - our phone lines are open 9am to 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 781 4311 and we’ll send one to you.

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

Yes there are usually ways you can try and cut back. We’ve created a list of things to consider that might help free up some cash in your budget. Read our article here.

You may find MoneyHelper useful - this is a government-funded website which is free to access. 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.