Worried about my mortgage

We’re committed to helping you through this difficult time and are supporting those who are feeling the pressures of the current rise in mortgage rates and living costs in a variety of ways.

We urge anyone who is feeling under pressure with their mortgage payments to talk to us as soon as possible. Getting in touch won’t impact your credit file and can be the first step to finding the potential help you need.

Worried about my mortgage

If you are having trouble paying your mortgage, whether it is residential or commercial, we will always try to help you. We might be able to arrange a payment plan with you, change the way you make your payments and/or allow you to pay back the mortgage over a longer period.

The first, and most important step to take, is to contact us as soon as possible if you are having problems paying your mortgage or think that you might have problems shortly. Contacting the Cumberland for advice about your paying your mortgage will not impact your credit file.

Here are some of the ways we will be able to help you:

  • Contact you as soon as possible to discuss your problem
  • Liaise with an agency who provides debt advice, like the Citizens Advice, if you ask us to
  • Provide you with reasonable time to pay back the debt

We might be able to:

  • Arrange a new payment plan with you
  • Change the way you make your payments, or the date you make them
  • Allow you to pay back your mortgage over a longer period of time (which would help to reduce your monthly payments)
  • Change the type of mortgage you have

Every step of the way we will explain the decisions and options we have chosen. If we can make a payment plan with you, we will explain how it would work and give you time to consider it.

For more information about how we can support you download our Mortgage Arrears Leaflet or contact the Arrears Management team.

Are you worried about money?
Are you worried about money?

For more help and support return to the worried about money hub.

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Contact Us

Still have a questions? Contact our Customer Care Team for more help and support.

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Our Arrears Management Team

If you are experiencing temporary financial difficulties the first, and most important step, is to speak to our Arrears Management Team.

Our Arrears Team