Mortgage charter

If you’re struggling with your mortgage rate, you may be able to get help from your mortgage lender.

There are six key ways in which the charter might help you:

  • If you’re worried about repayments, contact your lender for help and guidance. It won't impact your credit score.

  • If you’re up to date with payments, lenders will let you switch to interest-only payments for six months.

  • If you’re approaching the end of a fixed rate deal, you will have the chance to lock in a new deal 6 months ahead.

  • If you’re up to date with payments, you can switch to new mortgage deals.

  • You can access tailored support from your lender if you’re struggling with payments.

  • Homes cannot be repossessed within 12 months of a first missed payment.

Find out more and check if your lender has signed the charter.