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Support with financial difficulties

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Struggling to make your monthly payments?

Category: Support with financial difficulties

If you’re worried about making your monthly payments or are already struggling, please call us on 0371 472 2032 and we’ll try to help. Simply talking to us won’t affect your credit file and the sooner you get in touch the better, as there are often more ways we can help.

You can also visit our support with financial difficulties page for details of independent organisations offering advice and support.

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Why am I showing as being in arrears?

Category: Support with financial difficulties

Your account may be showing as in arrears because your monthly payment date for this month has already passed, and we have not yet received your payment, or you have not made all the payments required.

If you’ve made a recent payment, this will be added to your online account, usually within 24 hours.

Any payments made after 8:30pm may not be shown on your online account for 48 hours.

For any questions you may have, you can log in to our Self-Serve portal and send us a secure message.


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What impact do arrears have on my account?

Category: Support with financial difficulties

Outstanding arrears have the potential to affect your credit rating and could incur fees or charges which will be added to your account balance.

If you’re worried about making your monthly payments or are already struggling, please call us and we’ll try to help. Simply talking to us won’t affect your credit file and the sooner you get in touch the better, as there are often more ways we can help.

You can also visit our support with financial difficulties page for details of independent organisations offering advice and support.

Outstanding arrears have the potential to affect your credit rating and could incur fees or charges which will be added to your account balance. You’ll also incur additional interest as explained in your mortgage terms and conditions.

If you’re worried about making your monthly payments or are already struggling, please call us on 0371 472 2032 and we’ll try to help. Simply talking to us won’t affect your credit file and the sooner you get in touch the better, as there are often more ways we can help.

You can also visit our support with financial difficulties page for details of independent organisations offering advice and support. Or if you wish to obtain a breakdown of any fees or charges associated with your account or have any other question in relation to your payments, you can log in to our Self-Serve portal  and send us a secure message.

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Contact us

Customer Services
0371 472 2032

CHL Mortgages, PO Box 146,
SKIPTON, BD23 9GN

Log in to the Self-Serve portal to send us a secure message.

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Contact us

Phone: 01252 365888
Email: [email protected]

Post: CHL Mortgages, Chetwood Bank, Ellice Way,
Wrexham Technology Park, Wrexham, LL13 7YT.

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CHL Mortgages is used under licence by CHL Mortgages for Intermediaries Limited and sub-licenced to Chetwood Financial Limited (company number 09964966). Chetwood Financial Limited is a company registered in England and Wales. Registered office: Ellice Way, Wrexham Technology Park, Wrexham, LL13 7YT. Chetwood Financial Limited is authorised by the Prudential Regulation Authority and regulated by the Financial Conduct Authority and the Prudential Regulation Authority under registration number 740551. Buy to let mortgages for business purposes are not regulated by the Financial Conduct Authority and you will not have any of the protections that the Financial Conduct Authority offers in respect of regulated mortgage contracts or consumer buy to let mortgages. If you wish, you may check the Financial Services Register on the Financial Conduct Authority’s website http://www.fca.org.uk/firms/systems-reporting/register or by contacting the Financial Conduct Authority on 0800 111 6768. We’re also registered with the Information Commissioner’s Office under registration ZA218401 and we’re a member of CIFAS, the UK’s leading fraud prevention service. Copyright CHL Mortgages © 2026.

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

CHL Mortgages is used under licence and is a trading style of each of the undernoted companies, which have their registered office at Ellice Way, Wrexham Technology Park, Wrexham LL13 7YT.
CHL Mortgages for Intermediaries Limited. Registered in England and Wales under company number 12954007.
Chetwood Financial Limited. Registered in England and Wales under company number 09964966. Chetwood Financial Limited is authorised by the Prudential Regulation Authority and regulated by the Financial Conduct Authority and the Prudential Regulation Authority under registration number 740551. Buy to let mortgages for business purposes and unregulated bridging loans are not regulated by the Financial Conduct Authority and you will not have any of the protections that the Financial Conduct Authority offers in respect of regulated mortgage contracts or consumer buy to let mortgages. If you wish, you may check the Financial Services Register on the Financial Conduct Authority’s website http://www.fca.org.uk/firms/ systems-reporting/register or by contacting the Financial Conduct Authority on 0800 111 6768. Copyright CHL Mortgages © 2026.

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