Financial difficulty

I'm having trouble paying my mortgage

We're here to help

We understand that worrying about paying your mortgage can be stressful. Whether you’ve already missed a payment or think you won't be able to make any future payments, we're on hand to provide the right level of support.

I've already missed one or more mortgage payments

We understand that during times like these it can feel easier to avoid a conversation and hope the situation improves, but it's really important that you get in touch with us so we can help.

You can call us on:

Tel: 0800 056 2473

Relay UK: 18001 0800 056 2473

Lines are open:

8am - 8pm (Mon - Fri)

9am - 5pm (Sat)

Except bank holidays

Closed (Sun)


I know I'm going to miss a mortgage payment soon

It's really important for you to understand what options are available to you. You can find out more by looking at our commonly asked questions.

I'm worried I might miss a mortgage payment in the future

We've got lots of tools and tips to help you take control of your finances. Our Managing your money guide is a great place to start.

Common questions and how we can help

Independent support available

If you’ve got other debts in addition to your mortgage, you can get free debt advice. We partner with PayPlan (a third party company), who can offer you free confidential advice for all of your debts. 

Other independent organisations who can help

Citizens Advice

Free advice on debt, benefits, housing, legal matters, employment and general consumer advice.

Money Advice Service

Free advice on debt, divorce/separation, setting up a new home, care & disability.


Shelter NI

Free advice on housing, debt, benefits, eviction & homelessness.

Housing Executive

Coronavirus (COVID-19) advice for renters and landlords from the Housing Executive.

Is there something else you're looking for?