The Mortgage Charter

If you’ve missed a payment or think you might – we’re here to help you.

On this page, you’ll find information about the Mortgage Charter, which is voluntary scheme set-up by the government in June 2023 for active lenders to help residential mortgage borrowers struggling with their payments.

The Mortgage Charter does not apply to buy-to-let landlords. However, we’re still committed to helping our customers – so if you’re behind with your payments or are struggling, then we’ll try to help you.

You can find out more about the Mortgage Charter on the government website.

UK Finance, the industry body that represents financial services, has also provided answers to some frequently asked questions about the Mortgage Charter.

We have a lot of experience helping landlords who are having difficulties making payments, so if you’re behind with your payments or worried that you may struggle in the future, find out more about the support we can offer.

Support with payment difficulties

Our wider Payment difficulties section contains a range of other information that might be useful for you, depending on your situation.

Please note, this page contains links to external websites. We are not responsible for the content of external websites.

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