Letter template: contact your mortgage lender about arrears

If you're behind on your mortgage payments, it's important to contact your lender as soon as possible.

Copy and paste this sample text and personalise it with your details.

Subject: Difficulties paying my mortgage on account <your account number>

To <your mortgage lender>

I’m writing to you about my mortgage, which I’ve held with your company since <date your mortgage started>.

I have recently had difficulty making payments towards my mortgage. I’ve experienced financial difficulties because <explain why you could not pay>.

I'm taking steps to improve my situation, including <example: applying for benefits / actively seeking work / getting debt advice>.

I want to work with you to resolve this situation, and would like to meet as soon as possible to discuss payment options. Please contact me to arrange a meeting.

Thank you

<your name>
<your phone number>
<your email address>

You can also send the letter as an email attachment or through the post:

If you need more help

Check our guidance on dealing with mortgage arrears.

Last updated: 21 December 2022

Housing laws differ between Scotland and England.

This content applies to Scotland only.

Get advice if you're in England