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Coronavirus Mortgage Support

Coronavirus Mortgage Support

We are doing what we can to help our mortgage members who have been financially impacted by coronavirus, to help find a solution suitable to their individual needs.

We offered mortgage payment arrangements for members impacted by coronavirus from 20th March 2020 to 31st July 2021.  These arrangements have now ended in line with FCA guidelines.

If you are worried about making payments, there are a number of options available to you.

We have detailed below the ways in which you can contact us to find out more.

How to get in touch

Please contact us using one of the following options:

It’s important to note that any temporary payment arrangement will be reportable to credit reference agencies and will have an impact on your credit rating.

Further support and guidance are available on our Financial Difficulties page.

Repayments after a temporary payment arrangement

If you had a temporary payment arrangement, we have written to you to advise of your options at the end of the arrangement.  These options included adding the deferred interest onto the mortgage balance, repaying the deferred interest, converting the mortgage back to a full repayment mortgage or changing the mortgage term.

If you wish to make any further changes to your mortgage, e.g. if you’re in a better financial position, please contact us to discuss your options. 

If you are still in financial difficulty, we will help to find a sustainable and affordable solution for you, which may be temporary or more long term, depending on your circumstances.

If you have missed any payments

If you have missed any mortgage payments or think you’re not able to make a payment, it is important that you contact us as soon as possible and keep in regular contact with us.  We will help you to find a suitable repayment plan and work with you to try to get you back on track as soon as possible.

Our arrears team can be contacted on 028 908 21853 or contact one of our local branches.

Other sources of help to consider

The following are some of the organisations you can contact for free, confidential and impartial debt advice:

You may also find helpful information on the Financial Conduct Authority website.