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Mortgage payment difficulties

We're here to help

If you’re finding it hard to keep up with your mortgage repayments, please know you’re not alone. We’re here to listen, understand your situation, and do what we can to help you move forward.

  • We fully support the government's Mortgage Charter, which helps homeowners in financial difficulty.
  • We also back the UK Finance Reach Out campaign, because no one should struggle in silence.

Talk to us

The first step is to contact us, where we can have or arrange a chat to explore your options. It’s a friendly phone call where we’ll talk things through and help you feel at ease.

Getting in touch is easy

Call us on 0345 850 1766

Opening hours:

Monday - Thursday: 8am - 6pm
Friday: 8am - 5.30pm
Saturday: 9am - Noon

Chat to us through web chat. When available, you'll see the chat icon on the bottom right of the screen.

Fill out the call back form below. We'll usually respond within five working days.

Email us at creditmanagement@skipton.co.uk. We'll usually respond within five working days.

Getting in touch won’t affect your credit score or appear on your credit file.

Ways we might be able to help

  • Changing payment dates — we might be able to change the payment date of your mortgage.
  • Reviewing interest rates — if you're eligible and your fixed rate has ended, we may be to review your current interest rate.
  • Agreeing to a temporary reduced payment plan — this is where you pay less than your usual payments over a certain time, then pay the arrears later by agreeing to an affordable payment plan.
  • Switching to Interest Only temporarily to reduce your monthly payments — applicable if you have a Repayment mortgage.
  • Extending your mortgage term temporarily — helps you reduce your monthly payments.
  • Agreeing to a payment plan you can afford — this can help you to gradually reduce the arrears each month.
  • Adding any missed payments to your mortgage balance — this spreads the payments over the rest of your term.

Your income and expenditure

So that we can give you the best possible support, at some point we may ask you to complete one of these short forms:

Residential mortgages

Select this form if the mortgage is for the home you live in.

Residential

Buy to Let mortgages

Select this form if the mortgage is on a property you rent out.

Buy to Let

Prefer to send online or by post?

As well as submitting online, you can also:

Post the form to:

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

or

Email to: creditmanagement@skipton.co.uk

Things to consider

  • There are plenty of organisations who may be able to help you — see our list of free and independent Helpful contacts further down this page.
  • Want to understand your options? Our ways to pay your mortgage page explains the different monthly mortgage payment options available.
  • Check any protection you might already have. You may have a mortgage payment protection policy — either included with your mortgage or a separate plan. If you’re eligible, it could give you some much-needed breathing space with your payments.

Talk to us

The first step is to get in touch. We can arrange a friendly chat to explore your options, talk things through, and help you feel at ease.

Your personal information

Please complete the field below so we can review your account.

Enter first name

Enter last name

Enter telephone number

Date of birth

(If known)

Your situation

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Prefer to call us?

You call us on 0345 850 1766.

Helpful contacts

There are lots of organisations that offer free, independent money advice. Their advisers can listen to your situation and help you find the best way forward.

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 Tools and calculators

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

Frequently Asked Questions

This may be an option for you. Any reduced payment plan will depend on what you can afford and if agreed will be recorded on your credit file.

Please complete an Income and Expenditure Form so we can see what options work for you. The Residential Form is for the home you live in. If you rent out a property, please use the Buy to Let Form.

No, you’ll need to keep making your monthly payments until the mortgage is fully repaid. But if keeping up with your payments is becoming difficult, please complete the Income and Expenditure Form so we can look at your options.

The Residential Form is for the home you live in. If you rent out a property, please use the Buy to Let Form.

This may be an option for you. Any reduced payment plan will depend on what you can afford and will be recorded on your credit file.

Please complete an Income and Expenditure Form so we can look at your options. The Residential Form is for the home you live in. If you rent out a property, please use the Buy to Let Form.

Your mortgage is secured on your property and is a priority debt. So, it’s important to contact your other lenders first to see if reduced payments are an option. If you’re finding it hard to keep up with other loans, we’ve shared some Helpful contacts below who may be able to support you.

You can also speak to PayPlan for free, independent debt advice.

Getting in touch to talk about your situation won’t affect your credit file. But it would be impacted if you missed a full monthly mortgage payment, or if we agreed a reduced payment plan with you.

A payment holiday is only available if you’ve already made regular overpayments on your mortgage. You can find out more by referring to your mortgage offer or contacting us.

This may be an option we can look at. Any reduced payment plan will depend on what you can afford and will be recorded on your credit file.

If this is done under the Mortgage Charter, there won’t be any impact.

Yes, you can change the date to either the 1st, 10th, 12th, 15th, 20th, or the last working day of the month. If you would like you change your payment date or if you have any further queries, please get in touch.

Sorry, this isn’t something we offer. But please get in touch so we can explore other options available to you.