Loans

Our website is designed to give you a wide range of information about your loan. Please contact us if you can't find what you're looking for, or if you want to discuss more options about your loan.

Help with payment difficulties

If you are worried about making your loan payments it's important to remember that you are not alone. We have a lot of experience helping people in your position and we want to try to help you too.

Many people dislike talking about money issues, but when you are struggling to afford your loan or can sense trouble ahead you should not suffer in silence.

That is why we are on the end of the line, ready to discuss your situation with you. Or, we can put you in touch with other independent experts who can help. Whether or not you have missed a loan payment or are worried that you might struggle in the future, the first thing to do is contact us.

The sooner you call the better – as the earlier you speak to us, the more we can do to help. We will always consider your personal circumstances and will be fair and considerate at all times.

How we can help

We will:
  • Contact you as soon as possible to discuss your problems.
  • Discuss all available options to see what is best for you.
  • Treat you fairly, listening to your individual circumstances.
  • Establish the extent of your financial difficulties. This may involve completing an income and expenditure statement with you.
  • Give you reasonable time to pay back the debt.
  • Inform you of free money advice services if you have debts with other providers.
What we can do:
  • Arrange a new payment plan with you and periodically review this to reflect your current circumstances. (Subject to assessment).
  • Change the way you make your payments, or the date you make them on.
  • In some cases allow you to pay your loan back over a longer period. (Subject to assessment).
  • Help you access free, independent and impartial advice.

If we can make one of these arrangements with you, we’ll explain how it would work and give you time to consider it. If we cannot offer you any of these options, we will of course tell you why.

What you can do:
  • Tell us as soon as possible if you’re having problems repaying your loan or think that you might experience problems shortly. We want to help.
  • Seek free, independent and impartial advice
  • Make sure you keep any other people paying the loan, up to date with what is happening.
  • Keep to the payment plan we agree with you, or tell us if there is a change in your circumstances, which may affect the arrangement.
  • Check whether you can get any state benefits or tax credits which could help to increase your income.
  • If you have an insurance policy such as payment protection, check whether it would help with your payments.
  • Tell us if you move to a new address and provide us with an up to date telephone number to make it easier to contact you.
How to contact us

Call our dedicated team

If you would prefer to write to us, please ensure that you include your account number with contact details and send this to:

Landmark Mortgages
PO Box 656
Durham
DH1 9LY

If you would like a family member, friend or debt organisation to discuss an account on your behalf please send authorisation in writing to the above address to confirm that you allow this person(s) to discuss your account.

Costs and charges

If you fall in to arrears with your loan repayments, we may charge you. Please refer to the tariff of fees for further details.

Legal proceedings

If we cannot reach an agreement on a solution to help you clear your arrears, we may have to commence legal proceedings. If court proceedings are issued, we strongly recommend that you seek immediate independent legal advice and attend any court proceedings.

Together loans

Together Mortgages are a combination of a secured mortgage and an unsecured loan at a single interest rate with one combined monthly payment. If you have redeemed the secured mortgage element (i.e. moved your mortgage to another lender) and opted to leave the unsecured element as an unsecured personal loan, we refer to this as a delinked loan.

If you would like to speak to us about your loan please do so on 0330 159 7152* and we will be happy to help with any queries.

Delinked loans

If you move your mortgage to another lender and leave the unsecured loan element as a standalone loan, then your loan is referred to as delinked.

Please be aware that the interest rate on a delinked Together unsecured loan is charged at our standard variable rate plus an increase of 3%, 5% or 8%, depending on when you started your Together mortgage. Please refer to your original offer documentation for more information on the rate that applies to you.

For example, a Together customer with a mortgage of £100,000, a loan of £15,000 (both still with Landmark) and a current interest rate of 4.79% with 15 years term remaining would be paying £60 per month on just their £15,000 loan.

If this customer moved just their mortgage to another lender, the interest rate on their (now delinked) loan would increase to as much as 12.79%, increasing their loan repayment from £60 to up to £188 per month.

Although delinked loans do not have any Flexible Features, you are still able to make penalty-free overpayments at any time.

If you would like to speak to us about your loan please do so on 0330 159 7152* and we will be happy to help with any queries.