Website of the UK government

List of lenders offering help through Homeowners Mortgage Support

All mortgage lenders in the UK have agreed with the government to work with households having difficulty paying their mortgage to avoid repossession.

The mortgage lenders listed below have agreed to offer help to their customers through HMS:

• Bank of Ireland, including Bristol and West and the Post Office
• Bradford and Bingley, including Mortgage Express
• Cumberland Building Society
• GE Money
• Kensington Mortgages
• Lloyds Bank Group, including Halifax, Cheltenham and Gloucester, and Bank of Scotland, Intelligent Finance, Birmingham Midshires and The Mortgage Business
• National Australia Bank Group, including Clydesdale Bank and Yorkshire Bank
  
• Northern Rock
  
• Royal Bank of Scotland, including NatWest, Ulster Bank, the One account, First Active (UK), Lombard Home Loans and Direct Line
• Standard Life Bank

A number of other banks, building societies and specialist lenders will be offering HMS to their customers as soon as possible. These include:

• GMAC

Lenders offering comparable arrangements to HMS

The high street lenders listed below are not providing HMS, but have agreed to provide 'comparable arrangements' to their customers who are in financial difficulty. This means if you have a mortgage with one of these lenders and you have a drop in income, you'll receive a similar level of support. You'll have to commit to making regular monthly payments and you'll be encouraged to seek independent money advice.

These lenders are:

• Barclays, including FirstPlus
• HSBC
• Nationwide
• Santander, including Abbey and Alliance and Leicester

If you have a mortgage with one of these lenders, you'll need to talk to them for specific information about the help they can offer.

What to do if your lender isn’t offering Homeowners Mortgage Support

If your lender isn't offering HMS, talk to them about the other options that may be available to you. See ‘Mortgage worries - get advice to keep your home’ for more information.

• What you can do to avoid repossession - a guide

Money advisers providing advice about Homeowners Mortgage Support

Money advisers at the independent advice agencies listed below have been trained to provide advice about Homeowners Mortgage Support.

Shelter

In England, call 0300 3300 515 for advice about HMS, or 0808 800 4444 if you want general advice. In Wales, call 0845 075 5005.

• Shelter - advice services directory Opens new window

• Shelter Wales website Opens new window

Citizens Advice Bureau

The Citizens Advice Bureau (CAB) can offer face-to-face advice in one of their local offices.

• Contact your nearest CAB in England and Wales Opens new window

• Find your local CAB in Scotland Opens new window

• Find your local CAB in Northern Ireland Opens new window

Consumer Credit Counselling Service

The Consumer Credit Counselling Service (CCCS) has a helpline providing free, independent and impartial advice. Phone 0800 138 1111 or visit their website for more information.

• Visit the CCCS website Opens new window

National Debtline

People in England, Scotland and Wales can get free, confidential and independent help over the phone from National Debtline by calling 0808 808 4000.

• Visit the National Debtline website Opens new window

Payplan

Payplan can offer advice over the phone for people throughout the UK. Phone 0800 716 239 or visit their website for more information.

• Visit the Payplan website Opens new window

Money Advice Scotland

Money Advice Scotland provides details of money advice agencies in Scotland providing free, independent, confidential and impartial advice on HMS. Phone 0141 572 0237 or visit the website for more information. 

• Money Advice Scotland Opens new window

More useful links

• Council Tax Benefit (money, tax and benefits section)

• Tax credits (money, tax and benefits section)