Set up or change your mortgage Direct Debit
You can use our online forms to change your existing mortgage Direct Debit date or the account that you pay your monthly mortgage payment from.
What to expect when changing your Direct Debit
Direct Debits normally take at least two weeks to update. This means your payment date may stay the same the month you request a change. Your new payment date will start the following month or even the month after. We only collect payments between the 1 and 28 of the month.
If you are changing the account your Direct Debit comes from this can also take up to two weeks to change.
We'll send you a letter within five working days to confirm when your changes will take place.
Depending on when you request your new payment date to start could mean you'll need to make two payments close together.
Examples of payment changes and when they would take effect
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|Date change submitted||Current DD date||New DD date requested||New change takes effect||When will my next payments come out?|
|8 July||1 of the month||28 of the month||28 August||Next payment will be on 28 August.|
|27 July||15 of the month||1 of the month||1 September||Your August payment will be collected as usual on 15 August and your new payment will take effect from 1 September|
|8 July||28 of the month||1 of the month||1 August||Current payment will be collected as usual on 28 July. New Payment will be collected 1 August.|
|20 July||28 of the month||1 of the month||1 September||Payment will be collected as usual on 28 July and 28 August. New payment will be collected from 1 September.|
Ways to set up or change your Direct Debit
Use these forms to change your Direct Debit. Please have your mortgage account number ready. You can find this on your annual mortgage statement, Internet Bank or our Banking app.