If you can no longer afford to make your mortgage payments but want to stay in your property and are resident in Scotland or Wales, you may be eligible for one of their mortgage rescue schemes. These schemes allow you to keep living in your own home as a tenant, part-owner or part-tenant. If you …

If you’ve got your finances back on track and you’d like to add your outstanding arrears to your mortgage balance, capitalising your arrears may be an option. We usually need you to maintain your monthly payments for at least 6 months before we will consider capitalising your arrears.

If you’re no longer able to afford to live in the property but have somewhere else to live that is affordable, we may agree for you to let the property for a temporary period.

If you have a repayment mortgage and need either a reduced payment for a period of time or want to repay your arrears faster, you may be able to temporarily switch to making interest only payments.

We may be able to extend your mortgage term if you have a repayment mortgage and need longer than the existing term to pay back the balance or outstanding arrears.

Once your finances are back on track, we may be able to agree an overpayment arrangement to help you repay any outstanding arrears. The amount we agree will be based on your individual circumstances and how much you can afford to pay.

If you’re unable to meet all or part of your mortgage payment, we might be able to accept a lower or even no payment for a period of time.