- Make a payment
- Other payment options
- Make an overpayment
- Direct Debit Payments
- Changes to our Direct Debit Guarantee
- Normal (regular) monthly payments (set up a Direct Debit for hassle free payments)
- Paying off your mortgage (redemption) – get a redemption statement to confirm the amount
- Regular or one off (lump sum) overpayments
- Other fees.
- Your mortgage account number (from your hub or annual mortgage statement)
- The postcode of the mortgaged property
- Your debit/credit card. If you pay by credit card please:
⁃ Check with your lender whether you’ll be charged for the payment
⁃ Be aware that payments can’t be refunded.
Online Payments are limited to £12,000. To pay more than this, please have a look at our other payment options.
| By BACS, online or Standing Order | By CHAPS or SWIFT |
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For mortgage accounts starting with 82:
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For mortgage accounts starting with 82:
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For all other mortgage account numbers:
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For all other mortgage account numbers:
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If you’re making a payment from abroad and require an IBAN, get in touch.
Check whether your mortgage allows overpayments in your hub. When making an overpayment, we automatically reduce your monthly payment, but you can apply to reduce your term instead.
Reducing your mortgage term
If you want to overpay and reduce the length of your mortgage, the balance of your overpayment(s) must be at least £500 and enough to reduce your term by at least one month.
Reducing your monthly payments
There’s no minimum amount for individual payments, but we’ll only recalculate your monthly payments once the balance of your overpayments reaches £500. You can tell us how much to apply to each loan if your mortgage has more than one account (for example if you’ve borrowed more).
If your mortgage is made up of more than one account, then different overpayment options may apply to each. You can find details of the overpayments available on each account through your hub.
If the balance of your overpayments is less than £500, we’ll credit the payments to your mortgage. This will reduce the interest charged from the next interest period, but won’t reduce your normal monthly payment.
See how making an overpayment changes your term or monthly payments.
If you’re within your promotional period you’ll incur an Early Repayment Charge (ERC) on each payment if:
- You ask us to apply payments less than £500 to your mortgage account. Details of the ERCs that apply to you can be found in your latest mortgage Offer.
- You pay more than your maximum allowance in any year. You can find your allowance in your hub.
If your promotional period has finished there are no limits to the amount you can overpay. However, if your overpayment balance is below £500, you’ll need to tell us you want to apply it to your account.
Once your overpayment has been made and processed we will then write to you to confirm.
Set up or update a Direct Debit
A Direct Debit (DD) is a convenient way to pay your mortgage.
Save time – no need to logon to your hub every month or call us
Hassle free – payments are taken automatically which gives you more time for you to do the things you love
You’re protected – thanks to the Direct Debit Guarantee, giving you surety and peace of mind.
If you’d like to set up a new Direct Debit or if you need to update your existing one with new details, just print and complete the relevant Direct Debit mandate form and send it to us:
If you haven’t got a printer then don’t worry – we can send a form to you.
- Send us a message through your hub, or
- Ask us to post you one.
Want to change your payment date?
If changing the date we collect your payment will help you to better control your finances, you can change the date in your hub or get in touch.
For any changes you make to your Direct Debit, we aim to update your account within 5 working days. We’ll write to tell you when the change will take effect.
We’re making changes to our Direct Debit Guarantee (DDG) Advance Notice Period.
What’s the Direct Debit Guarantee Advance Notice Period?
This is the minimum notice we need to give you for changes we make to the amount, date or frequency of your Direct Debit before we can start collecting new payments, as stated in the DDG. From 16th June 2022 our DDG notification period will change from 10 working days to 3 working days.
What does this change mean for me?
From 16th June 2022, if we change your Direct Debit we’ll notify you at least 3 working days ahead of your next payment confirming the new details. By reducing the notice to 3 working days it means we’re able to apply changes to your Direct Debit more quickly.
What do I need to do?
You don’t need to do anything. If you pay by Direct Debit the new Guarantee will automatically apply from 16th June 2022. Until then the current Guarantee will remain in place.
Don’t pay by Direct Debit?
Paying by Direct Debit is one of the safest and most convenient ways of paying your bills.
If you pay by any other method (and haven’t recently applied to pay by Direct Debit) then the changes to the Direct Debit Guarantee Advance Notice Period will not affect you.