We know it’s a difficult time when you lose a loved one. As well as dealing with all the emotional upset, you probably need to sort their legal and financial affairs as well.
We want to assure you that when the time comes, our dedicated team are waiting and we’ll do all we can to help you. All you need to do is get in touch.
‘Tell us once’ service
When you contact us, let us know of any other accounts we hold with the person who has passed away. We’ll then make sure the right teams know what’s happened and they’ll be in contact with you.
Other support
You may find you need other means of support. That’s why we’ve put together a pack which has lots of useful information about what to do when someone close to you passes away.
- We’re here for you – A bereavement guide (PDF)
- Bereavement form – complete online or print and fill in a form
- Sending us proof of identification (PDF)
When a relationship ends it can be difficult to know where to start with your finances. There are so many things to think about it may seem confusing. We’re here to help and can offer support – visit our help and guidance section for practical advice on things to consider when you separate. There are also lots of organisations that can offer you advice during this difficult time. It may help to talk to a relationship counsellor or join a local support group. Relate, the UKs leading relationship support organisation, provides advice and counselling online, over the phone and face-to-face. The important thing is keeping us up to date with your contact details so we know how to get in touch when we need to. If you’re suffering from financial or domestic abuse and need us to contact you safely to discuss your mortgage, you can let us know how you would like to be contacted and when is a good time by completing this form.Financial or domestic abuse
If the unexpected happens, it might help to ask someone else like a spouse, partner, family member or solicitor to look after your finances for you. There are several ways this can be arranged, depending on the help you need and how long you need it for. Our getting help section has information on how to apply for third party authority or power of attorney. Let us know if you need support in any way – knowing how you plan on managing your mortgage going forwards makes it easier for us to offer you the right support. Call us on 0345 300 8000*. If you would rather not pick up the phone, you can contact us via your hub at a time to suit you. *Calls are recorded for training and monitoring purposes. Lines are open 9am – 5pm Monday to Friday. We’re closed on Bank Holidays. 03 calls cost no more than calls to geographic numbers (01 or 02). Calls from landlines and mobiles are included in free call packages.
Losing your job can be hard, especially if it means you’ll struggle financially. Get in touch if you find yourself in this situation and are worried about paying your mortgage. Thousands of borrowers get help from their lender every year. Having a conversation with us won’t affect your credit score. The earlier you get in touch, the easier it will be for us to help you. The following organisations can help with any financial concerns you might have. They offer free and independent financial advice: Mental health is something that affects all of us and is just as important as your physical health. It’s how you feel from an emotional, psychological and social point of view. This means it affects how you think, the decisions you make and how you manage daily activities or relate to other people. For example, you may find it difficult making decisions about your finances and how you manage your money. Problems with your mental health aren’t always easy to spot. It’s good to know when you might be suffering so you can act on it straight away. Some signs to look out for are: If you start to notice these signs, the NHS website and Mind have advice on how to take care of your mental wellbeing. We understand that worrying about money and your mortgage can affect your mental health. Please let us know if you need support managing your mortgage or you just want to talk to us. We’ll work with you to see how we can help. This could mean changing how often we contact you, the way we contact you, or arranging for someone to talk to us on your behalf – visit our Third Party Authority page for details. You can also manage your mortgage or ask us any questions using your hub. Once you’ve registered, it’s available seven days a week, at a time that suits you. Visit our financial worries page if you’re concerned about the cost of living or paying your mortgage. This also has details on where to go to for help with your other finances. You may find it difficult to tell us about any mental health issues, so give us as much or as little information as you want. We’ll only use what you tell us about your health to help you. We’ll keep anything you say confidential. For advice on mental health here’s where you can get help:What help do you offer if I’m struggling to pay my mortgage?
Further help and support
What is mental health?
How do I know if my mental health is suffering?
What help can you offer me?
What will you do with my information?
Where else can I get help with my mental health?