Yes. To see if you can switch to a cheaper mortgage visit www.moneyhelper.org.uk and complete the simple, impartial and free questionnaire. To help you complete the questionnaire as accurately as possible, it would be useful to have your latest mortgage statement to hand. The questionnaire takes 5 minutes to complete and when you get to …
I have a Together mortgage. Does this prevent me from switching?
No. Depending on the value of your property, a new lender may be prepared to lend you enough money to repay the unsecured part of your Together mortgage. Alternatively, you can “de-link” the unsecured part and keep it with us. This will result in an increase in the interest rate you pay. You may wish …
What are my options if I am not eligible to switch lenders?
If you‘re not eligible to switch lenders, for example because you are or were recently in arrears, there is still plenty of support available. Please call us on 0330 159 7152 to talk about the range of solutions available to help you. Phone lines are open Monday to Friday 8:30am – 6:00pm. There’s lots of …
I can afford my mortgage payments but I’m struggling with other debts. Can I get help with these?
There are many organisations available who can offer free, impartial advice on how to deal with your debts. See the Independent resources section under our Support page for more details.
I’m worried I might lose my home. What can I do?
We understand and you’re not alone. We’re here to help. We know this can be a very worrying time and it’s important to get in touch with us so we can understand your circumstances and see how we can support you. You can reach our team of experienced agents by calling 0330 159 7152. Our …
How do I find out how much I have left to pay on my loan?
You can use our self-serve facility to get an instant redemption estimate of how much it might cost to repay your loan on a date within the next two months or you can request a redemption statement. The redemption statement will tell you exactly how much you need to pay including any interest and fees, …
I can no longer afford my monthly payment, what can I do?
If there has been a change to your circumstances and you’re unable to afford your monthly payment, we’re here to help. You can reach our team of experienced agents by calling 0330 159 7152. Our phone lines are open Monday to Friday 8:00am – 8:00pm. If you have debts with other companies or want independent …
Why do I need to complete an income & expenditure assessment?
This helps us understand your financial situation and what options may be suitable for you.