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Mortgage payment difficulties

Supporting you

If you’re worried or struggling to make your monthly mortgage repayment, we could help.

Are you experiencing financial difficulties and feeling concerned about paying your mortgage? The earlier you get in touch the better, as there are more options to explore if you tackle the problem early.

We’ve given our full backing to the government’s Mortgage Charter, and we are supporting the UK Finance Reach Out campaign encouraging customers to reach out to their lender for support. 

What to do if you're worried about paying your mortgage

Complete an Income & Expenditure Form

The first step is to complete an Income & Expenditure Form. This gives us a better picture of your financial position and allow us to consider all the options available to you. Submitting the Form online is the quickest way to get it to us.

Select the Residential Form if the mortgage is on a property you’re living in.

Select the Buy to Let Form if the mortgage is on a property you’re renting out.

Alternatively, forms can be posted to:

Credit Management, 
Skipton Building Society, 
The Bailey, 
Skipton, 
North Yorkshire, 
BD23 1DN

or emailed to creditmanagement@skipton.co.uk

We will review your options and help you get back on track

Once we have received your completed form online, by post or email, we will get in touch to discuss the types of support we could offer you. Speaking to us to discuss your situation will not impact your credit file. Your credit file will only be impacted if you miss a full monthly mortgage payment, or if you enter a payment arrangement to repay the arrears.

We might be able to...

  • arrange a new payment plan with you.
  • change the date that you make your mortgage payment.
  • allow you to pay back your mortgage over a longer period of time (which might reduce your monthly payments).
  • offer temporary conversion of your mortgage to interest only, which may reduce the amount you pay each month.
  • offer you a different mortgage rate.
  • offer a concession which is a temporary reduction in your mortgage payments.
  • capitalise your arrears.

Additional options may be available depending on your circumstances so please contact us for further details.

Other useful information

Things to consider

  • There are many organisations that can assist you when you’re having financial difficulty. Take a look at who they are and how they might be able to help in our Helpful contacts list further down this page.
  • Take a look at our information on ways to pay your mortgage to find out more about the different monthly mortgage payment options available. 
  • Do you have a mortgage payment protection policy taken out, either as part of your original mortgage or as a standalone policy? If so, have you made enquiries as to whether you are eligible to claim? If you are eligible to claim, you could get temporary support with your mortgage payments. 

Priority and non-priority debt list

Priority debts

  • mortgage
  • secured loan/second mortgage
  • overpaid benefits
  • unpaid taxes
  • hire purchase
  • court fees & fines/fixed penalty notices e.g. motoring offences
  • rent
  • council tax
  • utilities
  • TV license
  • child maintenance

Non priority debts

  • overdraft/store cards
  • unsecured loans
  • personal debt to family/friends
  • payday loans
  • catalogue debts
  • private parking tickets

Frequently asked questions

It may be an option we can look at. However, any reduced payment options are based on what you can afford and will be reported on your credit file. Please complete an Income & Expenditure Form (if it’s for the home you live in, use the Residential Form, or if it’s a property you rent out, use the Buy to Let Form). We can then review any options that might be available.

No, you must make all due payments up until the mortgage is repaid. However, if you are struggling to make your monthly mortgage payments, please complete an Income & Expenditure Form and we can review any options that might be available. If it’s for the home you live in, please use the Residential Form. If it’s for a property you rent out, please use the Buy to Let Form.

It may be an option we can look at with you. However, any reduced payment options are based on what you can afford and will be reported on your credit file. Please complete an Income & Expenditure Form and we can review any options that might be available. Select the Residential Form if it's for the home you live in. Or select the Buy to Let Form if it’s for a property you rent out.

Your mortgage is a priority debt and you must contact any other lenders first and see if you can look at reduced payments. If you are struggling to make payments on your other loans, we have a list of helpful contacts below who may be able to help you. Alternatively, you can talk to PayPlan for free independent debt advice.

Calling us to discuss your situation will not impact your credit file. Your credit file will only be impacted if you miss a full monthly mortgage payment, or if you enter a formal payment arrangement with us.

You may only take a payment holiday if you have previously made regular overpayments. Please refer to your mortgage offer for more information on your specific overpayment allowances.

This may be a temporary option that we can look at for you. Any reduced payment options are based on what you can afford and may affect your credit file.

Yes, available dates are the 1st, 10th, 12th, 15th, 20th, and the last working day of the month.

This is not something that we offer.

You could lose your home if you don't keep up your mortgage repayments.

Helpful contacts

There are many organisations which offer free, independent money advice. Their advisers can assess your situation and devise a suitable course of action for you.

PayPlan

0800 280 2816

www.payplan.com/skipton-web

PayPlan offers free debt solutions, including free debt management plans and Individual Voluntary Arrangements (or IVAs).

Visit PayPlan's Financial Wellbeing Hub  

Visit PayPlan's budget tool  

MoneyHelper

0800 138 7777

www.moneyhelper.org.uk

Set up by the government, the MoneyHelper service offers free, impartial advice on everything from budgeting to managing periods of financial difficulty. You can access helpful guidance personalised to your financial needs, including areas where you should consider acting now to avoid money problems in the future.

Use MoneyHelper's Money Navigator Tool  

Citizens Advice Bureau (CAB)

0800 144 8848 (England) 

0800 702 2020 (Wales) 

0800 028 1456 (Scotland) 

The Citizens Advice Bureau offers free, impartial advice on a wide range of subjects, including specific help with mortgage problems.

Visit Citizens Advice Bureau

National Debtline

0808 808 4000

A free, confidential and independent telephone advice service.

Visit National Debtline

Step Change Debt Charity

0800 138 1111

Step Change offers free, impartial advice to people currently struggling with money, and gives tips on budgeting and managing credit commitments.

Visit Step Change

Business Debtline

0800 197 6026

Free, confidential and independent advice for self-employed people and small businesses.

Visit Business Debtline

Christians Against Poverty (CAP)

0800 328 0006

Churches across the UK are partnered with CAP to provide free debt help and community groups.

Visit CAP

Mental Health Money Advice

The Mental Health Money Advice service Mental Health UK helps individuals who are experiencing poor mental health. This includes support with problem debt / insufficient income to manage your on-going commitments.

Visit Mental Health & Money Advice

Housing Loss Prevention Advice Service

If you're in England or Wales, you can access free legal support through the Housing Loss Prevention Advice Service and if you are required to attend a court hearing they may be able to represent you.

Get housing loss advice

Need help?

Email us

Send an email to our Credit Management team.

creditmanagement@skipton.co.uk

Call us

Speak to our dedicated Credit Management team.

0345 850 1766