What if I am having trouble paying my mortgage?

At Castle Trust, we understand that circumstances change, and that keeping up your mortgage payments can become difficult.  If you are worried about your mortgage payments, it is important that you talk to us as soon as possible, so please get in touch on freephone 0800 652 0008 to see how we can help.

Our friendly team are based in the UK and on hand to help you Monday to Thursday 9am to 5.30pm and 9am to 5pm on Fridays.  We'll listen to your concerns and walk you through the options available to you.  You don't have to have already missed a payment before you talk to us.  In fact, we may be able to find a solution that means you never do.

If you'd rather speak to someone else, we've listed some useful links below to help.

Get in touch

Before you call, it's useful to have the following information to hand:

  • your mortgage account number
  • details of all of your income, including any benefits that you receive
  • details of all of your bills
  • details of all of your other outgoings.

You can use the Money Advice Service Budget Planner to help you get these things together.

Once you have the above information ready, call us on 0800 652 0008 to start the conversation and see how we can help.

What to expect when you call

When you call us, we will take the time to understand your situation.  We will talk through your income and expenditure and then discuss the options available to you.

You'll have the opportunity to consider your options before you agree to anything and are welcome to get a second opinion on any of the options that we provide.

Useful links

If you'd prefer to talk to someone else, there are a number of trusted organisations who can help to find a solution to your financial concerns:

The Money Advice Service provides free and impartial independent advice and information on how to manage your money and is available to everyone. Their website has lots of handy tools and information, as well as a web chat facility and a freephone helpline.

Step Change is a debt charity which provides free debt advice online and on the phone.  Their Debt Remedy tool assesses your financial situation in 20 minutes to provide advice tailored to your circumstances.

National Debtline also provides free, impartial and confidential debt advice.  You can get in touch with them via webchat or phone.

All of the above are trusted debt advice services who will not charge you for advice.  If you choose to seek help elsewhere, it is important to be sure of who you are dealing with and that the advice that you receive is impartial and confidential.

Retired products

We no longer offer the Partnership Mortgage, Buy to Let Equity Loan or Index Profit Share Mortgage as part of our product range.

If you are an existing customer with one of these products, your rights are unaffected. However, please be aware that it will not be possible to apply for a further Partnership Mortgage, Buy to Let Equity Loan or Index Profit Share Mortgage in the future.

If you are an existing customer and would like to contact us, please call us on (Freephone) 0800 652 0008.

Mortgages
Your property may be repossessed if you do not keep up repayments on a mortgage or any other debt secured on it. Your home may be repossessed if you do not keep up repayments on your mortgage. Loans are subject to status, terms and conditions. This website is for information purposes only. If you are in any doubt regarding suitability of our products please seek advice from an accredited independent mortgage adviser.

Investments
You risk losing capital should Castle Trust become insolvent.

Castle Trust is the trading name of both Castle Trust Capital plc (company number 07454474) and Castle Trust Capital Management Limited (company number 07504954). Castle Trust is authorised and regulated by the Financial Conduct Authority, under reference numbers 541910 and 541893. Registered office: 10 Norwich Street, London, EC4A 1BD. Registered in England and Wales.

© 2019 Castle Trust. All rights reserved.

This website is for authorised intermediaries only. This information has not been approved for use with customers and is not intended for public or customer use. Please confirm that you are an intermediary before accessing information on this website.

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