No. Depending on the value of your property, a new lender may be prepared to lend you enough money to repay the unsecured part of your Together mortgage. Alternatively, you can “de-link” the unsecured part and keep it with us. This will result in an increase in the interest rate you pay. You may wish …
What are my options if I am not eligible to switch lenders?
If you‘re not eligible to switch lenders, for example because you are or were recently in arrears, there is still plenty of support available. Please call us on 0330 159 7152 to talk about the range of solutions available to help you. Phone lines are open Monday to Friday 8:30am – 6:00pm. There’s lots of …
I can afford my mortgage payments but I’m struggling with other debts. Can I get help with these?
There are many organisations available who can offer free, impartial advice on how to deal with your debts. See the Independent resources section under our Support page for more details.
I’m worried I might lose my home. What can I do?
We understand that this is a very worrying time and the first thing you should do is get in touch with us on 0330 159 7152 so we can get an understanding of your circumstances. Legal proceedings to take possession of your property will only be considered as a last resort and once all other alternatives …
How do I find out how much I have left to pay on my loan?
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. You can ask us for a redemption statement by:
I can no longer afford my monthly payment, what can I do?
If there has been a change to your circumstances and you’re unable to afford your monthly 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. If you have debts with other companies or want independent …
Why do I need to complete an income & expenditure assessment?
This helps us understand your financial situation and what options may be suitable for you.
What happens when my payment arrangement ends?
We’ll write to you a month before the payment arrangement ends. If you’re still in financial difficulties we’ll need to review your situation and agree a new arrangement.