Money worries

If you're finding it difficult to repay your mortgage – or think you might soon – we're here to help you get back on track. The important thing is to make us aware as soon as you can.

We’ll always:

übe open and honest with you
ütreat you as an individual and look at your unique situation
ümake everything simple while finding a solution that works for you
üexplain what you need to know, so you can make an informed decision
ület you know who else can help you

Let’s get you to the right place

Before you get in touch, gather up to date information about your income, your spending and any other debts you may have. This will make it easier to discuss your options and explore solutions.

Get in touch

Buy to let customers This will reveal additional content

If you’re a buy to let customer, we’ll talk through your current situation and discuss the options available to you. Before you get in touch with us, please have the following information to hand. We’ll need to know:

how much rental income you receive each month
your rental costs, for example how much is spent on agent fees, insurance and maintenance each month
your personal income, outgoings and debts

You can call us on 0800 212 508. Lines are open 8am to 6pm Monday to Friday, and 9am to 12pm on Saturdays. Please have your mortgage account number to hand when you call.

Write to us

Or, if you prefer, you can write to us about your circumstances:

The Mortgage Works
Northampton Administration Centre
Kings Park Road
Moulton Park
Northampton, NN3 6NW

Residential customers This will reveal additional content

If you’re a residential customer, we’ll talk through your current situation and discuss the options available to you. Before you get in touch with us, please have the following information to hand. We’ll need to know:

your income, for example salary, any income support or tax credits
your spending, for example mortgage payments, household bills and everyday spending
your debts, for example loans, credit cards or any arrears

You can call us on 0800 212 508. Lines are open 8am to 6pm Monday to Friday, and 9am to 12pm on Saturdays. Please have your mortgage account number to hand when you call.

Write to us

Or, if you prefer, you can write to us about your circumstances:

The Mortgage Works
Northampton Administration Centre
Kings Park Road
Moulton Park
Northampton, NN3 6NW

Affected by illness?

Sometimes an unexpected event can make it difficult to manage your money.

You may find you’re having to care for someone. Or you may be dealing with illness like cancer, dementia or depression.

Help with illness or unexpected change

Organisations that can help

Here are some debt advice organisations who offer free support.

If you have debt with multiple organisations

StepChange (opens in a new window) – helping over 630,000 people a year to deal with money worries and take back control of their lives.

PayPlan (opens in a new window) – free debt advice provider, offering help and support in a way that works for you.

If you're looking for general advice

Money Helper (opens in a new window) – free, unbiased money advice online, over the phone and face-to face.

Citizens Advice (opens in a new window) – advice on issues such as debt management, welfare benefits, housing, employment and consumer complaints.

National Debtline (opens in a new window) – free, confidential and independent advice on dealing with debt problems.

Business Debtline (opens in a new window) – free debt advice to small businesses and self-employed people.