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If you're worried you won't be able to make future mortgage payments or are already in arrears, we're here to help. There are many reasons why you may be struggling, including being made redundant or not working due to an accident or illness. Whatever your individual situation, the sooner you act, the sooner we can put a plan in place to get you back on track.

Using a budget calculator

If you're not in arrears, a budget calculator will help you review your monthly income and spending. You can use this information to see if you can cut back on any non-essential items to make your monthly mortgage payments more affordable.


Reducing your monthly payments

It may be possible to reduce your monthly payments for a short time, but we will make sure there's a plan in place to repay the arrears that would accumulate. Please contact our Mortgage Collections Department.


Repaying your arrears

There are a variety of options we can explore to help you repay your arrears tailored around your personal situation. Please contact our Mortgage Collections Department to discuss your options.


Telling us about changes

If you bought your property with a partner and have separated, you may only want to pay half of the mortgage. Don't forget, however, that you both remain liable for full monthly repayment. If your circumstances change, please contact us as soon as possible.


Changing your payment details

If you wish to make a change to your Direct Debit details, contact Mortgage Services to arrange for a new mandate to be sent to you. If you change the date of your payment, this usually results in an increase to your next monthly payment.

Contact us

Mortgage Services

By phone: 03457 662 255

Lines open Monday - Friday 8am - 6pm, Saturday 9am - 5pm.


By post: HSBC Bank Plc
Mortgage Service Centre
PO Box 6308


Mortgage Collections Department

If you are already behind/late with your mortgage payments or you think you may struggle to maintain your payments.


By phone: 0345 850 0633

Lines open Monday - Thursday 8am - 9pm, Friday 8am - 6pm and Saturday 8.30am - 4pm.

By fax: 01617 728 387

By post: HSBC Bank Plc
Customer Credit Services
PO Box 6277

Prefer to talk face-to-face?

Pop into your nearest branch for a chat.

Frequently Asked Questions

Your property may be repossessed if you do not keep up repayments on your mortgage.