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Make a payment

How would you like to pay?

By Direct Debit 

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.

By credit or debit card online 

You can make a payment online through our secure online portal, 24 hours a day. Please allow up to three working days for the payment to clear with your bank.

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.
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.

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. 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

Online payment
By debit or credit card over the phone 

Our automated payment system is available 24 hours a day. To use this service, please call 0161 333 7410 and select option 1.

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.
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

If you don't have these details to hand, you can complete a payment by speaking to a member of our team.

  • 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.

Please allow up to three working days for the payment to clear with your bank.

By Standing Order or bank transfer 

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.

By Cheque 

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 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.

Can I make a payment for someone else or can someone else make a payment for me? 

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.

Frequently Asked Questions 
1. Can I change my payment date?

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 a additional interest every month. If you want to avoid this, we can discuss your options in more detail over the phone.

• 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.

2. Can I make regular overpayments to repay early or make a lump sum payment towards my balance?

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.

3. I want to amend my Direct Debit, but it’s not my bank account. What are my options?

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 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.


4. When do you collect Direct Debit payments?

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.

5. Why does my Direct Debit say 'until further notice' when I know the date my payments are due to end? Should I cancel it?

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 Debit.

6. Why do I have more than one Direct Debit instruction?

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.

F5 awards lender of the year 2016

We're encouraging all of our customers to 'Take Five' and protect themselves against online fraud.

When making payments online, always look for the padlock icon in the address bar. This indicates your connection is secure, and your payment details are encrypted.

If you're in any doubt about whether a website is genuine, restart your browser and navigate back to the page by manually typing a trusted web address into the address bar. Or, if you prefer, you can instead make your payment over the phone.

Don't use a search engine, like Google, to help you find the page – this may inadvertently divert you to a fraudulent page.

Find out more about online fraud:

Build: 1.3.7.20756