Making your June monthly payment in time
If you’re paying by a method other than Direct Debit, however you send your payment, it must reach us before the end of June.
Please check the deadlines for sending your payment below. If you don’t send your payment before the relevant deadline, it won’t be applied to your account until July. That means your account could fall into arrears and your credit file may be affected.
When you’ll need to pay
Online bank transfer
Payments by bank transfer are only applied to your account from Monday to Friday, and payments received after 3.45pm won’t be added to your account until the next working day. Bank transfer payments aren’t applied to your account at the weekend.
Please ensure that you complete your transfer before 1.45pm on Tuesday, June 30. This should allow sufficient time for your payment to reach us by 3.45pm. If we don’t receive the payment by 3:45pm, it won’t be applied to your account until Wednesday July 1, and your account could fall into arrears.
Using Self-Serve
If you use Self-Serve to pay by debit card, you’ll need to make your payment before 9pm on Tuesday, June 30, or it won’t be applied to your account until the following day, and your account could fall into arrears. Payments made after 9pm on weekdays, after 5pm on Saturday or 7pm on Sunday will be applied to your account the following day. There are more details on how to use Self-Serve below.
Calling us
If you call us to pay by debit card, our automated payment service is now available 24 hours a day, 7 days a week.
However, you must make your June monthly payment before 9pm on Tuesday, June 30. If you use our automated service after 9pm your payment won’t be applied to your account until the following day, and your account could fall into arrears.
If you need to speak to an agent to make your payment, you must call at a time when colleagues are available to speak to you. So, you’ll need to phone us during our. So, you’ll need to call during our opening hours for general enquiries.
You can find out more about all our payment methods here.
Planned system maintenance over the weekend of Saturday 4 and Sunday 5 July
We’ll be carrying out essential system maintenance from the evening of Friday 3 July and throughout Saturday 4 July and Sunday 5 July.
During this time, all our phone lines (including our automated payment service) will be closed, and our online Self-Serve system will also be unavailable.
If you need to call us, make a debit card payment or use Self-Serve for any other purpose, please arrange to do so before or after this weekend closure.
We apologise for any inconvenience and appreciate your patience while we complete this important work.
Making your May monthly payment in time
If you’re paying by a method other than Direct Debit, however you send your payment, it must reach us before the end of May.
Please check the deadlines for sending your payment below. If you don’t send your payment before the relevant deadline, it won’t be applied to your account until June. That means your account could fall into arrears and your credit file may be affected.
When you’ll need to pay
Online bank transfer
Payments by bank transfer are only applied to your account from Monday to Friday, and payments received after 3.45pm won’t be added to your account until the next working day. Bank transfer payments aren’t applied to your account at the weekend.
Please ensure that you complete your transfer before 1.45pm on Friday, May 29. This should allow sufficient time for your payment to reach us by 3.45pm. If we don’t receive the payment by 3:45pm, it won’t be applied to your account until Monday June 1, and your account could fall into arrears.
Using Self-Serve
If you use Self-Serve to pay by debit card, you’ll need to make your payment before 7pm on Sunday, May 31, or it won’t be applied to your account until the following day, and your account could fall into arrears. Payments made after 9pm on weekdays, after 5pm on Saturday or 7pm on Sunday will be applied to your account the following day. There are more details on how to use Self-Serve below.
Calling us
If you call us to pay by debit card, our automated payment service is now available 24 hours a day, 7 days a week. However, you must make your May monthly payment before 7pm on Sunday, May 31. If you use our automated service after 7pm your payment won’t be applied to your account until the following day, and your account could fall into arrears.
If you need to speak to an agent to make your payment, you must call at a time when colleagues are available to speak to you. So, you’ll need to phone us during our opening hours for general enquiries.
You can find out more about all our payment methods here.
Making your May monthly payment in time
If you’re paying by a method other than Direct Debit, however you send your payment, it must reach us before the end of May.
Please check the deadlines for sending your payment below. If you don’t send your payment before the relevant deadline, it won’t be applied to your account until June. That means your account could fall into arrears and your credit file may be affected.
When you’ll need to pay
Online bank transfer
Payments by bank transfer are only applied to your account from Monday to Friday, and payments received after 3.45pm won’t be added to your account until the next working day. Bank transfer payments aren’t applied to your account at the weekend.
Please ensure that you complete your transfer before 1.45pm on Friday, May 29. This should allow sufficient time for your payment to reach us by 3.45pm. If we don’t receive the payment by 3:45pm, it won’t be applied to your account until Monday June 1, and your account could fall into arrears.
Using Self-Serve
If you use Self-Serve to pay by debit card, you’ll need to make your payment before 7pm on Sunday, May 31, or it won’t be applied to your account until the following day, and your account could fall into arrears. Payments made after 9pm on weekdays, after 5pm on Saturday or 7pm on Sunday will be applied to your account the following day. There are more details on how to use Self-Serve below.
Calling us
If you call us to pay by debit card, our automated payment service is now available 24 hours a day, 7 days a week. However, you must make your May monthly payment before 7pm on Sunday, May 31. If you use our automated service after 7pm your payment won’t be applied to your account until the following day, and your account could fall into arrears.
If you need to speak to an agent to make your payment, you must call at a time when colleagues are available to speak to you. So, you’ll need to phone us during our opening hours for general enquiries.
You can find out more about all our payment methods here.
Arrears fees – an important message for customers who transferred to us in October 2025
If you’re a customer whose mortgage transferred to us in October 2025, we sent you our welcome letter, enclosed a copy of our Tariff of Mortgage Charges and explained that if your mortgage falls into arrears, we may charge you a monthly arrears administration fee. Although we didn’t charge this fee during the period immediately after the transfer, we’re now beginning to do so.
This means that if your account was in arrears by an amount equivalent to two full monthly payments at the end of March 2026, we’ll charge the Arrears fee of £40.
The fee will be charged monthly for as long as your account remains two monthly payments in arrears. However, if you have contacted us and agreed a temporary payment plan, we won’t charge the fee – provided you make the payments agreed under the plan.
If your account is in arrears, you can always call us – we’re here to help.
If you’re worried about your monthly payments, you can find more information in the Payment difficulties section of this website. There you’ll also find guidance on budgeting, support with the cost of living, and where to get free, confidential, and impartial advice.