Mortgage Payment difficulties

If you're worried about or unable to make your monthly mortgage repayments, then it is important you talk to us as soon as possible. The earlier you get in touch the better, as there are more options available if you tackle the problem early on.

How we might be able help

  • Changing the way you make your payments, or the date you make them
  • Taking your individual circumstances into account we can try to find a solution or arrange a new payment plan that suits you
  • Keeping you informed
  • Arranging a new payment plan with you, taking your circumstances into account
  • Allowing you to pay back your mortgage over a longer period of time (which might reduce your monthly payments)
  • Changing the type of mortgage

You can find more information about how we treat customers fairly and what you can do if you're experiencing financial worries on our treating customers fairly page.

What you can do

  • To help us understand more about your circumstances, please complete our Personal Budget Form where the mortgage is on your home. If the mortgage you need to discuss is a Buy to Let you should complete our Buy to Let Questionnaire.
  • You can send this to us by post to the Credit Management Team,
    Skipton Building Society,
    Principal Office,
    The Bailey,
    North Yorkshire,
    BD23 1DN
    or by email to
  • Take a look at our Helpful Contacts – a list of organisations that can also assist those in financial difficulty.
  • Visit paying your mortgage - to find out more about the different ways you can make your monthly mortgage payments.
  • 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 this may provide temporary support with your mortgage payments.

Other useful information

Your home may be repossessed if you do not keep up repayments on your mortgage. If you have a Buy to Let mortgage and you fail to keep up with payments on your mortgage, a 'receiver of rent' may be appointed and/or your rental property may be repossessed. Most Buy to Let mortgages are not regulated by the FCA.

Ways to contact us


Chat to us online 


Speak to our dedicated credit management team

8am - 8pm
8am - 5:30pm
9am - 12pm
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