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Cost of living help Hub

We're here to help you if you're worried about your finances

Why are costs rising?

Living expenses have risen sharply this year and look likely to continue to make finances a lot more challenging. So, as a responsible lender, we want to make sure you’re aware of the support we can provide if you’re affected by interest rate increases.

 

We’re here to help and the sooner you can take action, the sooner you can get support

Couple reading documents

How can I manage higher costs?

Budgeting

Budgeting is simply making a list of what you earn, what you owe, and what you spend.  Having those numbers in front of you will help you understand exactly how tight your finances are — and whether there are some costs you could cut for the time being.

 

Download our handy planner below.

Budget planner (PDF)

Additional Support

If you’re looking for help with something else, we’ve also got information and signposted support on a range of topics from financial support to mental health. 
Extra support

Paying your mortgage

If you’ve already missed a payment give us a call as soon as you can. Telling us early means we can try to help prevent the situation becoming even harder to manage. If you are worried you might not be able to make your payments in the future, depending on your situation we have different options available to help get you back in control of your finances. Just talking to us about your options won’t have any impact on your credit file.

 

If you’d prefer a call back, just fill in our Support form and we’ll be in touch.

Support with payment difficulties

Contact us

Call us on 0800 121 8765. It’s free, we aim to answer quickly and our advisers are keen to help.
 

If you’d prefer a call back, just fill in our Help and Support form and we’ll be in touch.

Support form

Mortgage Charter

If you haven’t missed any payments, but are struggling with your mortgage, you may qualify for help under the Mortgage Charter.
Find out more

Beware of fraudsters

Now is the perfect time for scammers to impersonate businesses and local councils. With energy companies contacting you more about the cost of living, scammers may chance their luck. Pretending to offer fake energy rebates or giveaways, and creating hoax ads with celebrity endorsements are just a few examples of scams.
Masked man hacking laptop

Protect yourself:

  • Make sure your devices are up to date with the latest software (anti-virus and operating systems) 
  • Create strong passwords and make them unique to every site you visit
  • Check the wi-fi you use is always secure
Fraud and security
Masked man hacking laptop

Want help?
Our help section is bursting with useful information. If you'd rather chat, just give us a call.

 

Help

Call us on 0800 121 8899

Lines open
  • Mon-Fri 8am-7pm
  • Saturday 9am-2pm
  • Sunday & Bank holidays Closed

Yesterday, people waited on average 

17 seconds for savings enquiries
17 seconds for mortgage enquiries

Call us

Want help?
Our help section is bursting with useful information. If you'd rather chat, just give us a call.

 

Help
Get in touch

Call us on

0800 121 8899

Monday - Friday
Saturday
Sunday
Bank holidays
8am - 7pm
9am - 2pm
Closed
Closed

Yesterday, people waited on average

1 minute 13 seconds for savings enquiries

8 seconds for mortgage enquiries

Call us

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