Understanding your situation
We can provide the best support to you if we understand your current financial situation. Once we understand what your income is and what you spend (sometimes called expenditure), we can make sure we're offering you the options that suit your personal circumstances best.
To help us get to a solution quickly, we've partnered with IEHub. Their form is online and completely free. Once you've filled it in, you can share it with us along with any other creditors you choose. This will help us and other creditors focus on the solutions that are the best for you.
It's completely confidential - it won't show on any kind of credit report, and it won't be available to any companies unless you choose to share it with them.
Once you have shared the information with us through the IEHub tool, we'll contact you by the method you ask us to - either phone or email - within 3 working days to discuss and agree a solution with you.
What if things change?
You can use the IEHub tool to make updates at any point and share them with your creditors if your situation changes.
Commercial property finance
Our team is here to support you if you have Buy-to-Let finance, Commercial property finance or a bridging loan with us.
Please call us on 0345 650 6288
Our teams are available:
Monday - Thursday: 8am - 8pm
Friday: 8am - 6pm
Saturday: 9am - 2pm
We're closed on Sundays and public holidays.
If you’re having trouble making your payments, please contact us as soon as possible, so that we can discuss your circumstances and look at ways that we can best support you.
Once we have a full understanding of your circumstances, we will talk through the practical options available to you. Solutions may include:
Business finance
If you have a relationship manager, it may be better to speak to them first. You can find details of our relationship managers on our contact page.
If a commercial finance broker helped you secure finance with us, it may be helpful to speak to them in the first instance.
However, we welcome all customers to contact our Financial Support team for business finance.
Please call us on 0330 123 4502
Our teams are available:
Monday - Friday: 8.30am - 5pm
We're closed at weekends and on public holidays.
Looking for help with personal lending, residential property or savings?
Our support teams for personal lending, residential property finance and savings are here to help.
Getting the help you need
If you’re in financial difficulty it can impact both your mental and physical health and wellbeing. Taking a proactive approach to managing your money worries is always the best way forward. If you are facing any of the following situations, it might be time to think about getting some help:
Other organisations that can help
You can get other money advice for free. Whether it's you or your business that's experiencing difficulties, there are a number of charities and agencies that can help.
Whether you work with independent advice or speak to us directly, you can be sure our team will treat you with the same compassion and understanding.
Citizens' Advice
Free advice on debt, benefits, housing, legal matters, employment and general consumer advice.
MoneyHelper
Free advice on debt, divorce/separation, care & disability and pensions. You'll also find tools like the household budget planner.
Business Debtline
Practical self-help – for small business owners and self-employed people with money worries.