Income & Expenditure Form

If you're struggling or worried about paying your mortgage, completing our Income & Expenditure form will help us understand more about your circumstances. We'll review your situation and contact you to talk about any steps you can take, and what we can do to help.

Support with your mortgage

Completing an Income & Expenditure form is a positive and important step towards seeking support for your mortgage. If you’re struggling to pay your debts, you've tried to negotiate a reduced payment with your unsecured creditors and you need support with your mortgage, we may ask you to complete an Income and Expenditure Form. This is to get a better understanding of your financial position and ensure all of your living expenses are accounted for when considering support with your mortgage, including possible payment arrangements.

When completing an Income & Expenditure Form

You will need to provide details on all of your current net income (income or take home pay after any deductions such as tax or National Insurance), details of any expenses and other debts. Please note that it's important you include all types of income you’re receiving and all household outgoings so that we have an accurate picture of your situation.

Mortgage payment proposals

The Income & Expenditure form asks you to suggest an offer of payment for your mortgage. Take the time to go through the figures you’ve listed and work out what you can realistically afford to offer.

Additional documentation

You will need to have various documents to hand when completing the Income & Expenditure form such as bank statements, wage slips and utility bills. Upon completion of the income & expenditure form we may request copies of these documents to support you further.

Further support

There are a number of organisations available who may be able to provide you with support, advice and in some cases support you in negotiating reduced payments with your other creditors. See our Helpful Contacts list to find out more.

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.

Next steps

Complete the form

We'll get in touch to discuss what steps you can take, and how we may be able to help.

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