Letter template: contact your mortgage lender about arrears

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>