Having trouble paying?

If you’re finding it difficult to repay your mortgage – or think you may do soon – we’re here to do everything we can to help. The important thing is to talk to us sooner rather than later.

Getting answers to your questions

Before you call us, start by reading through the answers to some frequently asked questions.

Who should you talk to?

If you’re struggling or falling behind on your mortgage payments, our dedicated teams are here to help. To talk to us about your situation, call us on 0800 328 3021.

If we’ve already started court action, call us on 0800 028 3331.

If we’re recovering a debt after the repossession and sale of a property, call our shortfalls team on 0800 028 3219.

If you need to contact us from outside the UK, call +44 1793 774 214.

Please note that for our mutual protection and to improve service standards, we may monitor and/or record telephone calls.

If you'd prefer to write to us about your circumstances, our address is:

UCB Collections Team
Portman House
Richmond Hill
Dorset BH2 6EP

Need some additional help?

It can be difficult making financial decisions at the best of times, but it becomes especially challenging when you or a loved one are affected by a serious illness or are experiencing an unexpected change in personal circumstances.

You don’t have to make those decisions alone. Our free Specialist Support Service is designed to help you with any financial concerns you or your family may have. To find out more, call us in confidence on 0800 917 23 93, lines are open Monday to Friday 9am-5pm and Saturday 9am-1pm.

Where else can you get advice?

As well as getting help and advice from us, you can also speak to these other free debt advice organisations. UCB Home Loans is not responsible for the content of external websites.