Manage Account
Use this section to explore your options and take common account actions
- Making Payments
- Overpayments
- Redemption
- Bereavement
- Making changes
- Payment Holidays
- About Self Service
Making Payments
We want making payments to be as pain-free as possible so we have a variety of options available. You can choose the one that best suits your needs.
Your payment needs to reach us by your due date each month. If your due date is no longer suitable for you, please let us know and we can change it. Just remember that the new date must still be within the same month.
Please check how long it takes for payments to reach us by your chosen method as they do vary.
Payment Methods
A bank transfer is a one-off payment set up through your bank. You can set one up online, in branch or over the phone. You choose when and how much you pay.
Please use the following details to make a payment by bank transfer:
Sort Code: 62-31-87
Account number: 80140262
Reference number: your mortgage account number
Important Information
- Payments received after 6:25pm, at the weekend or on a Bank Holiday will be applied to your account the following working day.
- Payments made this way will automatically be split across all parts of your mortgage. If you have more than one part to your mortgage (for example, a mortgage and a linked unsecured loan), and want to make payments to a particular part, you should call our Customer Contact Centre on 0330 159 7152 for instructions. Phone lines are open Monday to Friday 8:30am – 6:00pm.
A Direct Debit is an easy and convenient way to make your payments. It means you don’t have to worry about forgetting to make your payment and if your payment amount changes, we’ll automatically update the Direct Debit so it collects the right amount. We’ll always write to you in advance to tell you that we’re going to do this.
To set up a direct debit:
Download and complete a Direct Debit mandate and post it to us at:
Landmark Mortgages, PO Box 115, Skipton BD23 9FE.
Alternatively, you can call our Customer Contact Centre on 0330 159 7152 and we can do it over the phone. All you need is your sort code, account number and the authority to set up payments from the account.
Important Information about paying by Direct Debit
- Your payments are protected by the Direct Debit guarantee.
- If your Direct Debit is rejected by your bank because there wasn’t enough money in your account, we’ll add a fee of £6.50 to your account. This is to cover the cost of dealing with this. We won’t charge this fee more than once in a month.
- We’ll try to take the payment again after seven working days. If you can’t make the payment or want to pay a different way, you should contact us straight away.
You can cancel a Direct Debit at any time by contacting us or your bank.
Please make your cheque payable to Landmark Mortgages Limited and post it to us at: Landmark Mortgages, PO Box 115, Skipton BD23 9FE.
Important Information
- It usually takes five working days for cheque payments to reach your account, so make sure you leave enough time before your payment is due.
- Remember to write your account number on the back of the cheque in case the cheque gets separated from your covering letter.
- If your cheque is returned unpaid, we’ll add a fee of £6.50 to your account. This is to cover the cost of dealing with this.
We have three ways you can pay using your debit card.
1. Use our automated payment line
Call us on 0330 159 7152. This line is available Monday to Friday 7:00am – 9:00pm, Saturday 9:00am – 4:00pm and Sunday 10:00am – 1:00pm.
Important Information
- This service is only available to account holders.
- You can pay a maximum of £5,000 a month using the automated payment line. If you want to pay more than this, you will need to call and speak to one of our agents.
- You will need your account number, date of birth and the numbers from your postcode to use this service.
- Payments made after 8:45pm will be applied to your account the following working day.
- If you have more than one part to your mortgage (for example, a mortgage and a linked unsecured loan), payments will automatically be split across all parts. If you want to make a payment to a specific part, you should call our Customer Contact Centre on 0330 159 7152. Phone lines are open Monday to Friday 8:30am – 6:00pm.
2. Use our secure self-service facility
You can make payments using our secure self-service facility all day, every day.
It’s easy to create a secure login to use the self-service facility and once you have it, you can access your account at any time.
Click here to create a new login.
Already registered?
Click here to securely login.
Important Information
- This service is only available to account holders.
- You can pay a maximum of £5,000 a month using the automated payment line. If you want to pay more than this, you will need to call and speak to one of our agents.
- Payments made after 8:45pm will be applied to your account the following day.
- If you have more than one part to your mortgage (for example, a mortgage and a linked unsecured loan), payments will automatically be split across all parts. If you want to make a payment to a specific part, you should call our Customer Contact Centre on 0330 159 7152. Phone lines are open Monday to Friday 8:30am – 6:00pm.
2. Speak to one of our agents
Call us on 0330 159 7152.
Phone lines are open Monday to Friday 8:30am – 6:00pm.
Standing orders are a recurring payment set up through your bank. You can set one up online, in branch or over the phone. You choose when, how much and how often you pay.
Please use the following details to set up a standing order:
Sort Code: 62-31-87
Account number: 80140262
Reference number: your mortgage account number
Important Information
- Payments can take up to five days to reach us and are only received on weekdays (excluding bank holidays).
- If your payment amount changes, you will need to change the amount of your standing order. If you don’t do this, you could end up paying too much or too little to your mortgage.
- If you no longer wish to pay by standing order, you will need to cancel the standing order with your bank. If you don’t do this, your bank will continue to send us the agreed amount (as long as there’s enough money in your bank account).
- Payments made this way will automatically be split across all parts of your mortgage. If you have more than one part to your mortgage (for example, a mortgage and a linked unsecured loan), and want to make payments to a particular part, you should call our Customer Contact Centre on 0330 159 7152 for instructions. Phone lines are open Monday to Friday 8:30am – 6:00pm.
You can make payments using our secure self-service facility all day, every day.
It’s easy to create a secure login to use the self-service facility and once you have it, you can access your account at any time.
Click here to create a new login.
Already registered?
Click here to securely login.
Important Information
- This service is only available to account holders.
- You can pay a maximum of £5,000 a month using the automated payment line. If you want to pay more than this, you will need to call and speak to one of our agents.
- Payments made after 8:45pm will be applied to your account the following day.
- If you have more than one part to your mortgage (for example, a mortgage and a linked unsecured loan), payments will automatically be split across all parts. If you want to make a payment to a specific part, you should call our Customer Contact Centre on 0330 159 7152. Phone lines are open Monday to Friday 8:30am – 6:00pm.
Overpayments
Overpaying your mortgage means you can save money on the interest you pay. It can also help reduce the amount you need to pay back at the end of the term. We don’t charge any early repayment charges, so there’s no limit to the amount you can overpay by.
If you don’t have a plan to pay back your interest only mortgage or are worried that it might not be on track, we can help. Call our dedicated team now on 0330 159 7153. Phone lines are open Monday to Friday 08:30am-6:00pm. Or, check out our Interest Only section for more information on your options.
We don’t charge any early repayment charges, so there’s no limit to the amount you can overpay by.
Here are some examples to show you how much of a difference it can make.
MONTHLY OVERPAYMENTS
An amount that you choose to pay on top of your usual payment
Example
The following examples use an outstanding balance of £80,000 over 10 years on an interest rate of 6.39%*.
| Overpayment amount | Repayment type | Time saved | Balance reduction | Interest saved |
|---|---|---|---|---|
| £10 | Repayment | 1 mth | N/A | £466 |
| £10 | Interest only | N/A | £1,587 | £387 |
| £25 | Repayment | 4 mths | N/A | £1,144 |
| £25 | Interest only | N/A | £3,966 | £966 |
| £100 | Repayment | 1 yr, 4mths | N/A | £4,081 |
| £100 | Interest only | N/A | £15,866 | £3,866 |
*These calculations are for illustrative purposes only and assume that the interest rate will remain the same for your remaining term. Figures rounded to nearest pound (£).
- If you pay by direct debit and would like to set up a regular monthly overpayment, please call us on 0330 159 7152.
Phone lines are open between 8.30 am and 6.00 pm Monday to Friday. - If you pay in any other way simply increase the amount you pay.
ONE-OFF PAYMENTS
You can make a one-off payment of up to £5,000 by debit card using our automated payment line or by logging in to our secure self-service facility. If you want to pay more than this, you will need to call and speak to one of our agents. You can make as many one-off payments as you like.
Example (Repayment mortgages)
If you have a repayment mortgage and you make a one-off payment, you can choose to reduce your monthly payments or keep your payments the same but reduce the term (which means you’ll pay off your mortgage sooner).
The following examples use an outstanding balance of £80,000 on a repayment basis over 10 years on an interest rate of 6.39%*.
If reducing the term…
| Overpayment amount | Time saved | Interest saved |
|---|---|---|
| £500 | 1 mth | £450 |
| £1,000 | 2 mths | £890 |
| £2,500 | 5 mths | £2,180 |
| £5,000 | 10 mths | £4,231 |
Or if reducing the monthly payment…
| Overpayment amount | Payment reduction | Interest saved |
|---|---|---|
| £500 | £6 | £178 |
| £1,000 | £11 | £356 |
| £2,500 | £28 | £890 |
| £5,000 | £56 | £1,779 |
*These calculations are for illustrative purposes only and assume that the interest rate will remain the same for your remaining term. Figures rounded to nearest pound (£).
Example (Interest only mortgages)
If you have an interest only mortgage, making a one-off payment will reduce the amount of interest you pay and the amount you need to pay back at the end of the term.
The following examples use an outstanding balance of £80,000 on a interest only basis over 10 years on an interest rate of 6.39%*.
| Overpayment amount | Payment reduction | Interest saved |
|---|---|---|
| £500 | £3 | £320 |
| £1,000 | £5 | £639 |
| £2,500 | £13 | £1,598 |
| £5,000 | £26 | £3,195 |
*These calculations are for illustrative purposes only and assume that the interest rate will remain the same for your remaining term. Figures rounded to nearest pound (£).
Important things to consider:
- You should only overpay what you can afford. If you’re unsure whether overpaying is right for you, you may wish to seek independent financial advice to help you with your decision.
- Overpaying might not pay back the full amount you owe by the end of the term, so you may need to think about how you’ll pay back any remaining balance.
Redemption
Paying off your mortgage early
You can repay your mortgage in full at any time before the end of your mortgage term. This is known as redeeming your mortgage. We don’t charge any early repayment charges but you may need to pay a discharge of mortgage fee for paying off your mortgage early. Your original mortgage offer will tell you if you need to pay this fee and how much it is.
Find out how much you owe
You will need to ask us for a redemption statement. This will tell you exactly how much you need to pay including any interest and fees, such as the discharge of mortgage fee. The amount shown on the redemption statement is only valid until the date shown. If we receive your payment after this date, it might not be enough to pay back the mortgage in full.
- Asking your solicitor to request one.
- Logging into your account using our secure self-service facility and clicking ‘Redemption’.
- Calling us on 0330 159 7152.
Phone lines are open between 8.30am and 6.00pm Monday to Friday. - Writing to us at:
Landmark Mortgages, PO Box 115, Skipton, BD23 9FE.
Important information for customers with ‘together’ loans
- These are mortgages with a ‘linked’ unsecured loan.
- If you pay off your mortgage and not the unsecured loan, the interest rate on your loan will increase by up to 8%. You can find out exactly how much it will increase by checking your original mortgage offer or by calling us on 0300 159 7152. Phone lines are open Monday to Friday 8:30am – 6:00pm.
- You may wish to seek independent financial advice before doing this so you can check it’s the right thing to do.
- If you’re in arrears or are finding it difficult to make the payments on your loan, there are many ways we can help. Call us on 0330 159 7141. Phone lines are open Monday to Friday 8:30am – 6:00pm, Saturday 9:00am – 1:00pm. Or if you don’t feel up to speaking to us, there are lots of other places to go for help. Check out our Independent Resources section for details of the debt advice organisations that we work closely with who can provide free help and support with your finances.
Bereavement
We’re here to help
We understand that losing someone close to you can be very difficult and there’s lots of things to take care of. We’re here to help you through this difficult time by making the process of dealing with the mortgage as simple as possible.
Tell us about the death
- Calling us on 0330 159 7152.
Phone lines are open between 8.30 am and 6.00 pm Monday to Friday. - Writing to us at:
Landmark Mortgages, PO Box 115, Skipton, BD23 9FE.
What we need to know:
- Name and address of the account holder who has died
- The mortgage account number
- The date of death
- Your details
- Whether you will be dealing with the estate
You don’t need to worry about sending us a copy of the death certificate, as we’ll obtain a copy on your behalf. If this isn’t possible, we’ll let you know.
The next step depends on whether the mortgage is in sole or joint names.
Sole borrowers
You will need to provide a copy of the Grant of Probate so we can record the details of the executor(s) on our records. If the borrower died without leaving a will, we’ll need to see the original Grant of Letters of Administration.
The mortgage will then need to be repaid, which will usually be from:
- The sale of the property
- The proceeds of a life insurance policy
Joint borrowers
After we receive the death certificate, we’ll remove the deceased borrower’s name from the mortgage. This means that the remaining borrower is then solely responsible for repaying the mortgage.
If you’re the remaining borrower and you’re worried about how you’ll afford to make your mortgage payments, we can help. Please call us on 0330 159 7141. Phone lines are open Monday to Friday 8:30am – 6:00pm, Saturday 9:00am – 1:00pm.
Ownership of the property will depend on whether the property was held as joint tenants or tenants in common.
Joint tenants
The deceased borrower’s interest will automatically transfer to the remaining borrower(s).
Tenants in common
Each borrower owns a specific share in the property and the deceased borrower’s share won’t automatically transfer to the remaining borrower(s). If the property was owned this way, you’ll need the help of a solicitor to deal with the deceased borrower’s share of the estate.
Important Information
- We’ll continue to charge interest on the mortgage balance until it’s been paid back in full
- Payments are still due on the mortgage, even after a borrower has passed away
Making Changes
We’re here to help
Over the lifetime of your mortgage, many things may change – here’s how to deal with the most common changes.
If you’d like to talk to us about any other changes to your account, please call us on 0300 159 7152.
Phone lines are open Monday to Friday 8:30am – 6:00pm.
Payment Holidays
If your mortgage has flexible features (you can call us or check your original Offer of Loan to confirm) then you may be able to take a payment holiday of up to three months.
Important Information
- Your monthly payments will increase at the end of the payment holiday. We’ll check that you’re able to afford this increase.
- If you have a repayment mortgage, the missed payments will be paid back over the remaining term of your mortgage. This will result in you paying more interest.
- If you have an interest only mortgage, the missed payments will be added to the amount you owe. This means that the amount you need to pay back at the end of the mortgage term will be higher and you will pay more interest.
- The missed payments will not be classed as arrears and will not be reported to credit reference agencies.
Check if you’re eligible
We can consider a payment holiday if:
If we can’t offer you a payment holiday and you’re going to struggle to make your mortgage payment, we’re here to help. You can reach our team of experienced agents by calling 0330 159 7152. Our phone lines are open Monday to Friday 8:00am – 8:00pm.
- Call us on 0330 159 7152.
Phone lines are open between 8.30 am and 6.00 pm Monday to Friday.
When you speak to us, we’ll carry out an affordability assessment to make sure that the increased payments are affordable. It will be helpful to have information like payslips, bank statements and how much you spend on your household bills ready when you call. If you’re unable to provide us with this information, it may delay the application process.
When we consider your application for a payment holiday, we’ll use information from credit reference agencies. If you have any missed or late payments on other credit commitments, defaults or County Court Judgments (CCJs), this may affect your eligibility.
About self service
Our secure self-service facility is available all day, every day. You can use it to:
It’s easy to create a secure login to use the self-service facility and once you have it, you can access your account at any time.
Click here to create a new login.
Already registered?
Click here to log in.
*Payments made after 8.45pm won’t be applied to your account until the following working day.