Change your Direct Debit
It’s quick and easy to make changes to your Direct Debit instruction.
If we need to change the amount you pay each month
Depending on the type of mortgage you have, there may be times when we need to make a change to the amount you pay each month, such as after a change to your interest rate. If this happens we'll automatically update your Direct Debit, so you won't need to take any action. We'll always write to you in advance to let you know of any changes to the amount you pay each month.
Restart a cancelled Direct Debit
If you don’t bank with us and cancelled your Direct Debit more than two months ago, we may need to contact you for more details.
If you’d like to change the account you pay from, please see below to find out how.
Change the account you pay from
You'll need to complete a Direct Debit Instruction form and return it to us. Or, call us on 0345 603 1637 and one of our advisers will set up the new instruction for you over the phone. We’re available Monday to Friday 8am-8pm and Saturday 9am-4pm.
However you tell us, you're still covered by the Direct Debit Guarantee. We'll also write to you to confirm your Direct Debit Instruction.
Change the date you pay
You can ask to change your payment date by calling us on 0345 603 1637. We’re available Monday to Friday 8am-8pm and Saturday 9am-4pm.
Before you change your payment date, it's worth noting that:
- You can only choose a date between the 1st and 28th
Your payment needs to be made on the same date each month.
- It's better to make your monthly payments on the 1st of each month
For most accounts we calculate interest daily, so paying on the 1st of each month should mean that you'll pay less interest.
- You might need to make two payments in a short space of time
If you change your payment date from the end of the month to the beginning, such as from 28th and to the 5th, we'll ask you to make two mortgage payments in the space of a few days.
- Your monthly payment amount may rise or fall
We'll always tell you if there will be any change to your monthly payment amount. If it does change, in most cases the difference will be small.
Make an overpayment
If you have some spare cash that you'd like to use to help pay off your mortgage more quickly, it's easy to tell us online. You can make a one-off lump sum overpayment, or set up an instruction to overpay a little extra each month. If you set up a regular overpayment, we'll automatically update your existing Direct Debit.
Ask to take a payment holiday
If coronavirus has affected your income and you're finding it hard to keep up with your mortgage payments, you can ask to take a payment holiday. Before you apply, it's worth noting that your monthly payment amount will increase when you restart your payments.
Underpay or missed a payment
We're here to support you if you're having trouble keeping up with your mortgage payments. If you'd like to pay less than your usual monthly amount for a while, or think missing a payment will help, please call us on 0808 145 0692. We’re available Monday to Friday 8am - 8pm and Saturday 9am - 4pm.
Already missed a payment? Please call us on 0808 145 0399. Lines are open Monday to Friday, 8am - 7pm and Saturday 8am - 2pm.
Having trouble paying your mortgage? It's always best to let us know. We’re here to help.