Mental health

Mental health affects everyone and is just as important as your physical health. It’s about how you feel emotionally, psychologically and socially. It influences how you think, make decisions, handle everyday tasks and connect with others.

For example, if you're feeling overwhelmed, you might find it harder to manage your money or make financial decisions.

  • What are the signs I’m struggling with my mental health?

    Problems with your mental health aren’t always easy to spot. It’s good to know when you might be suffering so you can act on it straight away.

    Do you:

    • Feel angry or aggressive without knowing why
    • Have negative thoughts, such as self-harm or suicide
    • Experience mood swings or losing interest in things you used to enjoy
    • Find everyday tasks confusing or hard to manage
    • Feel anxious about bills or your bank balance
    • Sleep too much or too little, or waking up a lot during the night
    • Avoid social situations, even with friends or family
    • Withdraw from hobbies or activities you used to enjoy.

    Visit the NHS website or Mind for advice on looking after your mental wellbeing if you notice any of these signs.

  • How can you support me?

    We understand that financial stress, especially around your mortgage, can affect your mental health. Please let us know if you’re struggling. We’ll listen and work with you to find the best way forward.

    We could:

    • Change how and when we contact you
    • Send a hub message to let you know we’re going to call you
    • Allow someone else to speak to us about your mortgage on your behalf. Visit our third party mandate page for details.

    You can also manage your mortgage or send us questions using your hub. It’s available seven days a week, whenever it suits you.

    Visit our money worries page if you’re worried about the cost of living or paying your mortgage.

  • What will you do with my information?

    We understand it can be difficult to talk about mental health. You can share as much or as little as you want. Anything you tell us will be kept confidential and only used to support you.

  • Where else can I get help?

    For advice on mental health, here’s where you can get help:

    • Visit your doctor. They may be able to help you with treatment or refer you to a specialist
    • Mind – offers advice and support to help manage mental health
    • Mental Health UK– combines the expertise of four UK charities to support people facing challenges like money worries, addiction or loneliness
    • Samaritans– available 24/7 to support anyone in crisis
    • Anxiety UK – helps people deal with anxiety, stress or depression. Family, friends and carers can also get help
    • NHS – more information and resources on mental health.