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UCB Home Loans mortgage payments

Information about how to make payments on your UCB Home Loans mortgage. For existing UCB Home Loans customers and solicitors only.

Ways to pay

Important:

We can only accept payments from bank accounts that match the name(s) on the mortgage. Any third party payments received will be returned.

We don’t allow any payments to be paid from accounts in Belarus, Iran, North Korea, Russia, Syria and Non-Government Controlled Regions of Ukraine (NGRCU), including Crimea, Donetsk, Kherson, Luhansk and Zaporizhzhia.

Direct Debit

We can either arrange a direct debit over the phone or you can download our Direct Debit mandate below. You can email this to us at TPCustomer.Resolution1@nationwide.co.uk or send it by post to the address on the form.

If you are unable to print and would like us to send you a mandate form, contact us at least ten working days before your payment is due.

Direct Debit Mandate (PDF, 158KB, opens in a new window)

Cheque

Make cheques payable to UCB Home Loans. Write your full name and mortgage account number on the back as a reference. We’ll accept cheques for up to six months from the date of issue.

Post to:

UCB Home Loans
Northampton Administration Centre
Kings Park Road
Moulton Park
Northampton, NN3 6NW

Using our bank details

Make sure to include your mortgage account number as the reference when making a payment to us.

Sort Code: 07-30-15

Account Number: 00002112

CHAPS

For higher value payments or redemptions, you can use CHAPS (opens in a new window).

Make sure to include your mortgage account number as the reference when making a payment to us.

Sort Code: 40-05-15

Account Number: 58696639

Note:

Some documents on this page may not be fully accessible. If you need any of our documents in a more accessible format, contact us.

Regular payments

Overpayments

An overpayment is any additional payment you make over your contractual monthly mortgage payment. Overpayments can either be a one-off lump sum or paid regularly every month.

Pay off your mortgage in full

You can pay off your mortgage in full at any time. This is known as redeeming or redemption.

  1. Find out how much it will cost to pay off your mortgage

    A redemption statement is a formal document with key information about your mortgage. It includes the redemption figure, the total amount you need to pay.

    Contact us to ask for a redemption statement and we'll provide you with a copy free of charge. If your solicitor requests a redemption statement on your behalf, we'll need your authority to provide them with this information.

    If your redemption figure is higher than expected, this may be due to ERCs or a product fee added to your balance when the original mortgage or a switch to a new deal was arranged. Check your redemption statement and mortgage statements for details of any fees that may have been added to your balance.

    For more information, see our Guide to Administration Charges (PDF, 56.2KB, opens in a new window).

  2. Pay on the date stated 

    You can pay off your mortgage in full by cheque, CHAPS, or using our bank details above. You can also contact us to pay by card over the phone.

    The figure shown on your redemption statement is only valid for the date stated. It also includes any upcoming Direct Debit payments. If we receive your payment after this date, you'll be charged additional interest. You may need to pay a different amount.

  3. Check your payments 

    If your regular monthly mortgage payment is by Direct Debit, you don’t need to do anything. But if you pay by standing order, you’ll need to cancel this once we confirm your mortgage is paid off in full.  

  4. Review your insurance policies

    If you have any insurance that is related to your mortgage, check if the policy still suits your needs. We recommend getting advice on making any changes if you need to. 

What happens after you pay

Once the full amount has been paid off, your account(s) will automatically enter our closure process. This takes up to 15 working days to complete. In that time we will:

  • Issue a letter confirming account closure. This will be sent to you or the solicitor acting on your behalf.
  • We will refund any payment that is more than we needed to close your account within ten working days. This will be paid directly to the account you make your regular payment from, by cheque, or to the solicitor acting on your behalf.
  • Arrange for any title deeds we hold to be sent for you.

Important:

Mortgages are secured on your property. You could lose your property if you do not keep up payments on your mortgage.

Other information

UCB Home Loans cannot offer you advice on our mortgage products or recommend which product may be suitable for your needs. If you need any advice about our mortgage products, please contact a mortgage advisor authorised by the Financial Conduct Authority. UCB Home Loans Corporation Limited (UCBHL) is a wholly owned subsidiary of Nationwide Building Society and is authorised and regulated by the Financial Conduct Authority under registration number 303556. Most Buy to Let mortgages are not regulated by the Financial Conduct Authority.

Registered Office: Nationwide House, Pipers Way, Swindon, SN38 1NW. Registered in England. Company Registration Number 1063539.