Struggling financially

As the cost of living rises, so too do money worries. Find out where to get help.

Savings customers

If you need to withdraw your savings before the maturity date then we have various exit fees which will depend on the product you have with us.

For access to your ISA before the end of the fixed-rate period, an exit fee will be charged. You can transfer all of your account or make a withdrawal at any time by writing to us with full details of the request. The minimum withdrawal you can make is the full balance in the Fixed Rate Cash ISA. It may take up to 15 working days following your request for a transfer or up to 30 calendar days following your request for a withdrawal.

You can find out more about how to close your ISA before the maturity date here.

Get in touch with our savings team

If you want to get in touch with our savings team, you can phone us on 0800 028 3746 or email us using the link below.

Email us

Mortgage customers

We understand it can be hard to ask for help if you are struggling to pay your mortgage, but our friendly and experienced team are here to help you discuss your options. If you’re finding it hard to meet your mortgage payments, please let us know as soon as possible.

Citizens Advice have a great budgeting tool that can help you to understand what you’re earning and spending, and where you may be able to cut costs. It takes about 30 minutes to complete and can be found here. Fill the budgeting tool in online, then download the pdf and send it into our team using the email below. Our team will be happy to call you back to go through this with you and discuss affordability.


Your home may be repossessed if you do not keep up repayments on your mortgage.

Get in touch with our mortgages team

If you want to get in touch with our mortgages team, you can phone us on 0800 138 9129 or email us using the link below.

Email us

More help:

National Debtline

National Debtline is a debt advice charity run by the Money Advice Trust, that offer free and confidential debt advice for people in England, Wales and Scotland.



Payplan offers simple and free debt advice to anyone who needs it.



With nearly 30 years of experience Stepchanges’s debt experts help hundreds of thousands of people to deal with their debt problems every year.


Citizens advice

Citizens Advice is a national charity offering confidential advice online, over the phone, and in person, for free.



Moneyhelper helps you gain more confidence in managing your money with free and impartial advice that is backed by government.