Mortgage guides

I'm having trouble
paying my mortgage

We're here to help

We understand that worrying about paying your mortgage can be stressful. Whether you’ve already missed a payment or think you won't be able to make any future payments, we're on hand to provide the right level of support.

If you don't have a mortgage but need support managing other debts, you'll find more help and advice on our Struggling financially page.

What will happen if I can't pay my mortgage?

If you've already missed one or more payments, or you think you'll struggle to make any future payments, don't panic. We're here to help.
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I've already missed one or more payments

We understand during times like these it can feel easier to avoid a conversation and hope the situation improves, but it's really important that you talk to us so we can help.
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I know I am going to miss a mortgage payment soon

It's really important to contact us. Our dedicated colleagues will talk you through your current finances and the options available to you.
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I'm worried I might miss a mortgage payment in the future

We've got lots of tools and tips to help you take control of your finances. Our Managing your money guide is a great place to start.

Common questions and how we can help

Help to manage your money

We're here to help you get back on track with your day to day finances too, with tips and advice on managing your money to help you reduce your spending.

What independent support is available?

If you are struggling with your finances, you may want to consider contacting a free debt advice organisation.

There are a number of organisations who can help. Royal Bank work in partnership with PayPlan (a third party company), who offer free  and confidential money advice, helping you take control of your finances.

If you find yourself worrying about debt, PayPlan offer advice by phone, email and live chat, making it quick and easy to access the advice you need.

Other independent organisations who can help

Citizens Advice
Free advice on debt, benefits, housing, legal matters, employment and general consumer advice.

Money Advice Service
Free advice on debt, divorce/separation, setting up a new home, care & disability.

Stepchange Debt Charity
Free advice on bankruptcy, charging orders, employment, benefits, money management and mortgage/repossession support.


Free advice on housing, debt, benefits, eviction & homelessness.

National Debt Line
Free and confidential advice on debt.

Here to help, if you need us

For more information, or if you're still not sure about what to do, get in touch with our dedicated team.

You can reach us on 0800 161 5913 or 0345 301 6910 (best for mobiles with inclusive minutes).

Lines are open:

8am - 8pm (Mon – Fri) 
9am - 5pm (Sat) 

Is there something else you're looking for?

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