How to make a payment.

Our secure online system is available 24/7.

You can make a payment online through our secure online portal, 24 hours a day. Whilst most payments will reach us on the same day, some can take several working days to clear before they are credited to your account. So, you may want to make your payment before the due date, to give it time to clear so your payment isn't late.

Just to make you aware, paying by credit card may be expensive and cost you more in the long run. This depends on the rates your card provider charges.

Please have the following documents to hand when paying online:

• Your mortgage account details, which can be found on your statement or letters.

• Your card details.

Make an online payment

Making an overpayment?

No problem, this will help reduce your balance and reduce the amount of interest you will pay over your loan. However, paying online is designed for paying arrears and missed payments.

If you have no outstanding arrears, fees or charges, please call our customer service team to discuss how you can make your overpayment to us. They will explain how you can make the payment and how your loan will change.

• Personal customers: 0161 333 7403. Lines are open Monday to Friday 9am-5:30pm.

• Commercial customers: 0161 333 7415. Lines are open Monday to Friday 9am to 5:30pm

Our automated payment system is available 24 hours a day. To use this service, please call 0161 333 7404 and select option 1. Just to make you aware, paying by credit card may be expensive and cost you more in the long run. This depends on the rates your card provider charges.

Please have the following documents to hand when paying over the phone:

• Your mortgage account details, which can be found on your statement or letters.
• Your card details.

Whilst most payments will reach us on the same day, some can take several working days to clear before they are credited to your account. So, you may want to make your payment before the due date, to give it time to clear so your payment isn't late.

This is the quickest and easiest way to make repayments as we arrange for direct payment from your bank to us. If this sounds like something you would like to set up, please call us and one of our team will happily take care of this for you.

If you already have an existing Direct Debit and want to make an amendments or if you want to set one up, you just need to give us ring on:

• Personal customers: 0161 333 7404. Lines are open Monday to Friday, 9am to 5:30pm.
• Commercial customers: 0161 333 7416. Lines are open Monday to Friday, 9am to 5:30pm.

New Direct Debit instructions take 10 working days to set up, from the date we receive them.

If you have a payment due in the meantime, you'll need to make a manual payment (by card, for instance) to ensure you don’t fall behind or incur any charges. We'll use your Direct Debit to collect your regular payment starting the following month.

Please call us to obtain the necessary bank details before making arrangements with your bank or building society.

• Personal customers: 0161 333 7404. Lines are open Monday to Friday, 9am to 5:30pm.
• Commercial customers: 0161 333 7416. Lines are open Monday to Friday 9am to 5:30pm.

No problem, this will help reduce your balance and reduce the amount of interest you will pay over your loan. However, paying online is designed for paying arrears and missed payments.

If you have no outstanding arrears, fees or charges, please call our customer service team to discuss how you can make your overpayment to us. They will explain how you can make the payment and how your loan will change.

Personal customers: 0161 333 7403. Lines are open Monday to Friday 9am-5:30pm.

Commercial customers: 0161 333 7415. Lines are open Monday to Friday 9am to 5:30pm.

We no longer accept cheques as payment towards your account. Please see above for alternative payment options or give us a call if you want to discuss this.

• Personal customers: 0161 333 7403. Lines are open Monday to Friday, 9am to 5:30pm.
• Commercial customers: 0161 333 7415. Lines are open Monday to Friday 9am to 5:30pm.

Update when and how you make a payment.

Yes, we can move your payment date (forwards or backwards) by up to 14 days. If you move your payments after your funding date, you'll incur additional interest every month. If you want to avoid this, we can discuss your options in more detail over the phone.

We share information with credit referencing agencies, and any missed payments on your account may show as in arrears on your credit file. This may affect your credit rating.

Yes, other people can make payments towards your account and you can pay on behalf of our customer, but additional security checks will be required. Please call us to discuss this further.

• Personal customers: 0161 333 7404. Lines are open Monday to Friday, 9am to 5:30pm.
• Commercial customers: 0161 333 7416. Lines are open Monday to Friday 9am to 5:30pm.

This will depend on the agreement you have. Please call us if you want to make a lump sum payment or regular overpayments, so we can explain how it will impact your account.

· Personal customers: 0161 333 7403.
· Commercial customers: 0161 333 7415.

Lines are open 9am to 5.30pm, Monday to Friday.

We share information with credit referencing agencies, and any missed payments on your account may show as in arrears on your credit file. This may affect your credit rating.

We can only make Direct Debit arrangements with the bank account holder, even if you are both named on your agreement with us. Please ask the bank account holder to call us.

• Personal customers: 0161 333 7403. Lines are open Monday to Friday, 9am to 5:30pm.
• Commercial customers: 0161 333 7415. Lines are open Monday to Friday 9am to 5:30pm.

The due date of your payments will be explained in your agreement. The date will fall between the 1st and 28th of the month. If your payment falls on a weekend or bank holiday, the payment will be taken the next working day.

When we set up your mortgage, we may have to set up several Direct Debit instructions for payments of different amounts that are due throughout the life of your mortgage. This ensures we take the correct payments at the correct time.

Please don't cancel any instructions as this could cause problems with us receiving your payment.

We will manage your account to ensure we cancel the Direct Debit once the final payment is made and your balance is clear.

Even though the letter suggests the payments will be taken indefinitely, they won't be, so please don't cancel your Direct Debits this would cause problems with us receiving your payments. If you have any queries about your Direct Debit payments please give us a call and we’ll happily talk it through.