A mortgage is usually the biggest financial commitment most of us will make in our lifetime, but some lenders make it easier to manage your borrowing than others.
Traditionally, most people will have managed their mortgage either in person or over the phone, but many lenders now let you manage your home loan online or via an app.
So whether you’re looking to view your mortgage balance or make an overpayment, here we outline the ways some of the biggest lenders let you manage your mortgage. Bear in mind that lenders might change the ways you can access their services, and whether you can use all the features they offer might depend on the type of product you have.
We know that lots of people are worried about covering their mortgage payments at the moment, given a series of increases in the Bank of England base rate which has seen interest rates soar. If you’re worried about keeping up with your mortgage payments, it’s worth contacting your lender as soon as possible to discuss your options. This month, the government introduced its mortgage charter which includes a range of support measures to help people who are struggling with their mortgage payments. You can read more about these in our article Government announces support for mortgage holders. All of the lenders we’ve listed here have signed the charter, so while some haven’t outlined exactly what support they’ll offer their customers, if you’re struggling you should contact them and they should be able to offer you help.
Want to speak to a mortgage advisor? Speaking to an experienced mortgage advisor can help you to understand your options and get a great deal on your mortgage.
If you’re looking for expert mortgage advice, you can get a free consultation with an independent mortgage adviser at Fidelius. Speak with a qualified, FCA-regulated, independent mortgage adviser you can trust. Rated 4.7/5 on VouchedFor from over 1,250 reviews.
How can you manage your mortgage?
Generally, lenders provide one or more of the following options to manage your mortgage:
Over the phone
This is one of the most common ways lenders let you manage your mortgage. Nearly every lender we’ve listed here allows you to manage your mortgage over the phone with them. You’ll need to have your mortgage account details to hand before you can make any changes or request your current balance, for example.
In-person
Some lenders let you manage your mortgage in person at one of their branches, however, with more bank branches closing each year, this option is becoming less viable for many. In fact, very few of the lenders we’ve listed here explicitly say that they offer mortgage advice services in branch, but some may offer it if you get in touch.
Online
Online banking has become one of the most popular ways for people to manage their bank accounts and the products that banks offer, such as mortgages. Not all lenders have a function to manage your mortgage online, but here we outline the ones that do.
Apps
An extension of online banking, some lenders let you manage your mortgage through their banking apps. Some simply show you your mortgage payments and balance, while others have functions that allow you easily make overpayments.
First Direct
First Direct was named the Which? Best Mortgage Lender of 2022, and if you have a mortgage with the bank, which is part of HSBC, you can manage it online, on the First Direct app or over the phone:
Online banking and the First Direct app
First Direct mortgage customers can view their mortgage account and balance both through online banking and through the First Direct mobile banking app. You should also be able to see all the details of your current mortgage, such as your interest rate and your mortgage term.
Telephone
If you’re looking to make changes to your First Direct mortgage, then your main option for managing this is over the phone. First Direct was set up as the UK’s first telephone-based bank, so they are well known for this service.
There are different numbers for different functions, including:
- If you have a general mortgage question you can call 03 456 100 236, they should be able to help with things like switching your rate or porting your mortgage, you should call 03 456 100 236
- If you want to borrow more money you can call 03 456 100 173
- If you’re moving house, remortgaging, or you want to discuss your rate you should call 03 456 100 103 – for existing customers.
These lines are open Monday to Saturday 8am – 8pm and Sunday 9am – 8pm.
If you’re looking to make overpayments on your mortgage, pay it off entirely, have questions about completion or payment changes or want to request a statement you can call 03 456 100 198.
This line is open Monday to Friday 8am – 8pm and Saturday 8am – 5.30pm.
First Direct mortgage support
If you’re struggling with your mortgage payments, First Direct has a couple of options that might help. You can see what your options are here. You can also call 0800 389 8347 to talk to someone. Lines are open 8am – 8pm Monday – Saturday, and 9am – 8pm Sunday.
Natwest
If you’re a NatWest Mortgage customer, you can manage your mortgage either through their online portal or over the phone:
Telephone
You can phone Natwest on 0800 096 9527 to arrange a phone or video call with one of their qualified mortgage professionals. Lines are open Monday to Friday 8am – 6pm, Sat 9am – 4pm, Sun Closed. Excluding public holidays.
Online - Manage my mortgage
The main way NatWest will encourage you to manage your mortgage with them is through their “Manage my mortgage” portal where you can:
- Check your balance, remaining term and deal end date
- Switch to a new deal
- Change payment account
- Change payment date
- Make a payment (Overpayment, missed mortgage payment or manual mortgage payment)
- Request a certificate of interest
- Request consent to let
- Use their mortgage overpayment calculator
- Get a home or life insurance quote.
Natwest mortgage support
If you’re struggling with your Natwest mortgage payments, you can visit their Mortgage cost of living support page to see what options are available to you. You can view the page here.
You can also call them on the number listed above to set up an appointment to talk to someone, if you prefer.
Lloyds Banking Group
Lloyds is one of the biggest banks in the UK, and its mortgage management offering is great. Lloyds offers its mortgage customers a number of ways to manage their mortgage including:
Online - Home Wise
Lloyds have an online mortgage management tool called Home Wise, which allows you to check the key details of your mortgage quickly and easily. You can access it either through internet banking, or their mobile banking app. With Home Wise you can:
- Keep track of your mortgage details
- Switch to a new deal
- View your credit score
- Apply for home insurance
- See your estimated property value and your potential equity
- Access their home mover and overpayment calculators.
Telephone
You can talk to one of Lloyd’s mortgage experts by calling 0800 783 3534. Their lines are open Monday to Friday 8am – 8pm and Saturday 9am – 4pm, and are closed on Sundays and bank holidays.
Video call
Lloyds are encouraging their customers to make the most of their online banking services, but if you want to talk to someone, you can arrange a video call with a mortgage advisor from your local Lloyds branch to discuss your mortgage.
Lloyds mortgage support
Lloyds has a number of options available if you’re struggling with your mortgage payments. You can visit their mortgage support page to find out more, or you can call them on 0808 145 0399 (Mon-Fri, 8am – 8pm, Sat 8am – 5pm) if you’ve already missed a mortgage payment, or 0808 145 0692 (Mon-Fri, 9am – 8pm, Sat 9am – 4pm) if you’re worried about future payments.
Nationwide
Most people with a Nationwide mortgage will be able to use their online mortgage manager which has a number of self-service functions, although if you have an over 55s mortgage, have an Early Repayment Charge if you’re switching to a new deal or if you need advice, you won’t be able to use it.
Here’s what Nationwide offers:
Online - Mortgage Manager
The Nationwide Mortgage Manager has some of the best self-service features we found, allowing you to make changes, or apply to make them, yourself and it allows most Nationwide mortgage customers to:
- Check your mortgage account details – such as checking your account number as well as viewing monthly payments, your repayment type and your account balance
- Apply to switch to a new deal – if you’re planning on switching deals you can check what rates are available and apply for a new mortgage if you’re eligible
- Check your Early Repayment Charge – If you’re switching product or paying off your mortgage, you can see if you need to pay an Early Repayment Charge
- Change your mortgage term – You can apply to either extend or reduce the length of your mortgage
- Manage overpayments – you can make overpayments, change your regular overpayments, or manage your preferences
- Get a property value estimate – There’s a tool that can tell you what your property might be worth based on the prices in your area.
You can make or apply for these changes without advice, but it’s important to make sure you’re completely comfortable with them before you do. If you need advice, you can call Nationwide to speak to one of their advisors.
Telephone
If you need advice, or are more comfortable making changes after talking with someone, you can call Nationwide on 03330 60 82 89. Their lines are open Monday to Friday, 8am – 6pm and Saturday 9am – 2pm. They’re closed on Sundays and Bank Holidays.
Nationwide mortgage support
Nationwide doesn’t have a specific mortgage support page, but they do have a Money worries help page which outlines the support they can offer. If you’re struggling with your payments, it is worth reaching out to Nationwide to explore your options.
Santander
Santander says it wants you to be able to manage your mortgage “wherever, whenever and in your own time”, which it allows you to do by giving you the option to manage your mortgage either through online or mobile banking, or over the phone.
Online or mobile banking
If you have a mortgage with Santander, you can use the Santander Mobile Banking app or Online Banking to manage it. All you need for this is your mortgage account number and the mobile phone number that’s currently registered for One Time Passcodes (OTPs) to hand.
The options you have for managing your Santander mortgage this way are the same whether you’re using the online portal or the app. Through these methods, you can:
- View the details of your current mortgage – this includes checking your interest rate, outstanding balance, monthly payment amount, next payment date, and transaction history
- Search and apply for new mortgage deals
- Manage overpayments – through the app or online you can make single overpayments and set up regular overpayments
- Change your current mortgage term or repayment method
- Apply to borrow more money after getting an instant decision in principle
- View settlement figure – if you’re planning to repay your mortgage in full, this function will allow you to see the full sum of any fees you’ll be charged
- If you have a flexible offset mortgage you can also increase or decrease your payments, make a one-off payment, request a payment holiday and withdraw money from your mortgage.
Telephone
If you can’t do what you need to via online or mobile banking, or you need to speak to someone, you can call Santander for more help and support:
You can contact them on 0800 092 3881. This line is open Monday to Friday 9am – 6pm, and Saturday 9am – 2pm. It is closed on Sundays.
Santander mortgage support
Santander has a Mortgage Support page that you can visit to see your options if you’re struggling with your mortgage payments with them.
Barclays
Barclays says you can manage your mortgage with them easily and securely through their app and online banking, over the phone or in person. Here’s how you can manage your mortgage with Barclays:
Online banking
You can use Barclays’ online banking function to manage your mortgage 24 hours a day. Once you’ve registered for online banking, you’ll be able to:
- View your mortgage account balance and details
- See recent transactions
- Download mortgage statements
- Make regular overpayments
- Make a one-off overpayment using your Barclays savings or current account, or by debit card
- Manage the Direct Debit for your payments
- Apply to switch to a new rate.
The main difference between online banking and the app is that you’re able to make regular overpayments and manage your Direct Debits through online banking, but not via the app.
The Barclays app
If you manage your Barclays mortgage through the app you get nearly all of the same functions as online banking but with a couple of different features. With the app you can:
- View your mortgage account balance and details
- See recent transactions
- Download mortgage statements
- Make a one-off overpayment using your Barclays savings or current account, or by debit card
- Apply for additional borrowing
- Apply to switch to a new rate.
So while through the app you can’t make regular overpayments, or manage your Direct Debit, you can apply for additional borrowing.
Telephone
If you need to speak to someone about your mortgage, the Barclays Mortgages line 0333 202 7580 is open Monday to Friday 7am – 8pm, Saturday and Sunday 7am – 5pm and 9am – 5pm on public holidays.
In Branch
Barclays is one of the few lenders that advertises that it offers in-branch mortgage advice. You can find your nearest branch here.
Barclays Mortgage support
If you need help or are concerned about your financial situation, you can visit the Barclays mortgage support hub which outlines your options and how to contact them for more help.
HSBC
If you’ve got an HSBC mortgage, you can manage it online, over the phone or in person at one of the bank’s branches:
HSBC Online banking
You can view and manage your HSBC mortgage through its online banking platform. You can make changes, or at least apply to make them. HSBC online banking gives you the ability to:
- Switch your mortgage rate
- Borrow more
- Extend your term
- Move your mortgage rate to a new property
- Apply for Consent to Let
- Make overpayments.
To access your mortgage account via online banking, you’ll need to register and then log in using your mortgage account number, full name, date of birth and UK mobile number.
Telephone
HSBC offers a couple of telephone support and mortgage management options, including:
- HSBC contact centre – You can call 03457 404 404 everyday between 8am – 8pm for help
- Switching appointments – If you’re looking to switch your mortgage you can book a 30 minute or two hour call with an HSBC mortgage advisor. You can read more about how to do this here.
In Branch
You can find HSBC mortgage advice and support in some but not all of the bank’s branches. You’ll normally need to make an appointment to speak to someone about your mortgage. You can find your nearest branch and details for booking appointments here.
HSBC Mortgage support
If you’re struggling with your mortgage payments, then you can visit the HSBC Cost of Living Mortgages support page to understand what your options are.
You can also call them on 0800 783 6533 to talk to someone about your situation. Lines are open 8am – 8pm Monday to Friday and 9am – 5pm Saturday and Sunday.
Our mortgage repayment calculator can help you work out what your monthly repayments will be based on the interest rate, mortgage amount, and the length of your mortgage term. If you prefer to speak to someone – arrange to get expert mortgage advice from an experienced mortgage advisor.
Coventry Building Society
If you have a Coventry Building Society mortgage, you can manage it either over the phone or in branch:
Telephone
If you have questions about your mortgage, want to manage it, make overpayments and so on, you can call Coventry on 0800 121 8899, Monday Friday 8am – 7pm and Saturday 9am – 2pm. Lines are closed on Sundays and Bank holidays.
In branch
You can also manage your mortgage in one of Coventry Building Society’s branches. You can find your nearest one here, but make sure to check the services offered before you go, so you can be certain you’ll be able to make the changes you want.
Coventry Building Society mortgage support
Coventry Building Society doesn’t have a specific mortgage support page, but they do have a Payment difficulties page which you can visit for help and information.
Yorkshire Building Society
You can manage a Yorkshire Building Society mortgage via its app, over the phone or in branches.
Yorkshire Building Society app
The Yorkshire Building Society app and online banking largely provide you with visibility of your mortgage and allow you to keep your personal details up-to-date. Through the app, you can:
- View all parts of your mortgage and your outstanding balance
- View and filter your recent mortgage payments
- See your mortgage term end date
- See how much interest is charged over time
- View the loan to value on your home.
You might also be able to switch your Yorkshire Building Society mortgage online if you meet the eligibility criteria, but you can’t do things like make overpayments via the app or online banking.
Telephone
If you want to make any changes to your Yorkshire Building Society mortgage then you’ll need to call them. Changes might include:
- Borrowing more money
- Porting your mortgage
- Transferring equity – this includes a change to borrowers, if you get divorced and you want to change your mortgage
- Making ad hoc or regular overpayments.
To do any of these you’ll need to call Yorkshire 0345 1200 822 9am – 5pm Monday to Friday, 9am – 1pm Saturday. Lines are closed on Sunday.
In Branch
Yorkshire Building Society and the financial agencies they work with allow you to manage your mortgage in branch with them. You can search for your nearest branch here.
Yorkshire Building Society mortgage support
If you have a Yorkshire Building Society mortgage and are worried about your payments, you can visit their Trouble paying your mortgage page for more information on the support available to you.
You can also call them on 0800 138 2402 to talk to someone about your mortgage. Lines are open 9am – 5pm Monday – Friday and 9am – 1pm Saturday.
Virgin Money
If you have a Virgin Money mortgage, for the most part, you’ll need to phone them to make changes or make overpayments and so on. You can, however, view your mortgage balance and payments through the Virgin Money Online Service.
Online
You can view your mortgage balance and payments using the Virgin Money Online Service. You can also use it to switch your mortgage when you’re within 120 days of the end of your term, as long as you meet the eligibility criteria.
Telephone
If you’re looking to make changes to your mortgage then you’ll need to phone Virgin Money. The number you need to call depends on what you want to do:
- If you’re an existing customer with a general mortgage inquiry you need to phone 0345 602 8301
- If you’re looking to borrow more money you’ll need to call 0345 600 6622
- If you want to port your mortgage to a new home, you need to call 0343 253 8838
- If you want to talk to someone about switching you can call 0345 850 2327.
All lines are open Monday to Friday 8am – 6pm and Saturday 9am – 1pm. Lines are closed on Sunday.
Virgin Money Mortgage Support
Virgin money hasn’t outlined how they will implement the government’s mortgage charter yet, but if you are struggling with your payments, or think you might struggle in the future, you can visit their financial difficulties page for information and support.
How can I manage my mortgage online if my lender doesn’t offer this option?
Not every lender offers you the ability to view and manage your mortgage online, but even if that’s the case, you might still be able to view your balance and payments through other banking apps.
Certain apps, like Monzo and Money Dashboard allow you to add your mortgage to your account, enabling you to see your balance, mortgage term, payments and interest rates.
Some banks also provide this function in their mobile banking apps, so it’s worth checking whether yours does.
While you won’t actually be able to make changes to your mortgage through these functions, you should at least be able to check on your balance whenever you want.
Finally…
Everyone has a preference of how they like to manage their mortgage, and making sure you have the access you want could help you stay on top of your mortgage.
Of the lenders we’ve listed here, Barclays offers the widest range of ways to manage your mortgage, allowing you to manage your mortgage via the Barclays app, through online banking, over the phone or in person at one of their branches. Close behind them are HSBC and Yorkshire Building Society, both of which also advertise in-branch services on top of apps, online banking and telephone support.
Both Santander and Natwest have great online mortgage management options, offering their mortgage customers a range of ways to access their mortgage accounts and make changes online when required.
Remember, if you’re having any problems with your mortgage, it’s always worth speaking to your lender as soon as possible, so that they can help you work out the best way to stay on top of your monthly repayments.
Want to speak to a mortgage advisor? Speaking to an experienced mortgage advisor can help you to understand your options and get a great deal on your mortgage.
If you’re looking for expert mortgage advice, you can get a free consultation with an independent mortgage adviser at Fidelius. Speak with a qualified, FCA-regulated, independent mortgage adviser you can trust. Rated 4.7/5 on VouchedFor from over 1,250 reviews.
Rest Less Money is on Instagram. Check out our account and give us a follow @rest_less_uk_money for all the latest Money News, updated daily.