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Customer Service Centre

We are open but exceptionally busy. Where possible, please leave phone lines free for our most vulnerable customers. 


Opening hours

Monday to Friday 8am-7pm
Saturday 9am-2pm
Sunday closed
Closed on bank holidays 

Free call from mobiles and landlines.


All enquiries 0800 121 8899

Call costs explained


If interest rates rise how will this affect my monthly payment?

If the Bank of England Base Rate rises your monthly mortgage payment may increase too. Even if your interest rate is currently fixed, your monthly mortgage payment may still be higher than anticipated at the end of your fixed rate period.

What you need to do
We recommend that you review your finances regularly. You may find it beneficial thinking about your finances now so that you're prepared if interest rates were to rise, as it's important to ensure you can afford your mortgage payments each month.

We're here to help
If you're concerned about how a rate change could affect you or have any queries call us on 0800 121 6263 (Monday to Friday 8am-8pm, Saturday 9am-5pm and Sunday 10am-4pm).

How it works

Based on a repayment mortgage with an interest rate of 5% and an outstanding balance of £100,000 with 15 years remaining, the monthly mortgage payments would increase by the following amounts each month:

Example
Example monthly mortgage
payment would increase by
Example monthly mortgage
payment would increase by
After 0.25% rate increase
After 1% rate increase
£13.08
£53.06

The above is only an example. If your mortgage rate changes, we'll always contact you in advance.