To keep things simple when it comes to making your monthly mortgage payments, we’ll take payments by Direct Debit from the nominated current account that you confirm to us when applying for your mortgage.
You can choose any payment date between the 1st and the 28th of each month. Your selected date should be specified on your Direct Debit mandate.
CHANGING YOUR ACCOUNT DETAILS
If you’d like to change your Direct Debit details, you must:
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Download and complete a new Direct Debit mandate and return it to us by email. Please include a covering message which details your mortgage account number and the date from which the change should become effective.
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OR call us to set up a Direct Debit.
We’ll then confirm that the change has been successfully made or request any additional information that’s needed.
FINANCIAL DIFFICULTIES
If you’re experiencing financial difficulties and are concerned about your mortgage repayments, please read the Money Advice Service leaflet "Problems paying your mortgage", which provides information and contact numbers for assistance.
Additionally, visit our financial difficulties page for further information.
If you’re having difficulties with your finances and/or other creditors, you may want to seek independent financial advice or assistance from other sources.
We’ve compiled a helpful list of trusted organisations who have the expertise, skills and knowledge to provide the support you might need.
If you’ve been a victim of financial abuse, the “It’s your money” guide from UK Finance provides information on the support available to you.
There is some important information that you’ll need to be aware of regarding fees and charges that may be applicable to you throughout the arrangement and life of your mortgage with us.
For example, if you wish to transfer the ownership of your property, alter who is on the mortgage, or change the terms of your mortgage.
For details of the fees and charges that may apply, read our Tariff of Mortgage Charges.
Making changes to your mortgage
Sometimes your circumstances may change, and you might want to update the terms of your mortgage. When you make a request, we may need to ask you for additional information or supporting documents.
We’ll always do our best to support you, but please note that all requests are subject to assessment, and in some cases we may not be able to offer the change.
To discuss or request a change, please:
Email us mortgagesupport@relymortgages.co.uk (from your registered email address) with the details of your request, or
Call us on 03300 584719, and our team will guide you through the process.
Changing your term
If you’d like to shorten or extend the length of your mortgage term, please get in touch. We’ll review your request and assess affordability as part of the process. You may also be asked to provide updated financial information or supporting documents.
Please note that a change of term is dependent on your circumstances and may not always be possible.
Changing your repayment type
You may wish to change how you repay your mortgage – for example, moving from repayment to interest-only, or from interest-only to repayment.
We’ll consider your request and may need to see supporting documents, such as details of your repayment plan.
Not all repayment type changes are available for every customer, and in some cases, we may not be able to agree to the request.
Adding or removing a person from the mortgage
If you’d like to add another person to your mortgage, or remove an existing borrower, this is known as a transfer of equity.
We’ll review the request carefully, as it involves a legal change to the mortgage account. You’ll likely need to provide supporting documents, and we may need to carry out affordability checks on anyone being added.
Please note that legal fees may apply, and not all requests can be approved.
Important information
All requests are subject to assessment, and we may not always be able to agree to them.
We may also need to request additional documents before making a decision.
Please ensure all email requests are sent from the registered email address we hold for you.
