If you’re worried about missing a mortgage payment, please contact your banker as soon as possible and we can discuss ways we may be able to support you. Just talking to us about your circumstances and options will not affect your credit score. 



How we can help

There are different options, but which one is best for you will depend on your personal circumstances.

Extending your mortgage term

If you are on a capital repayment mortgage, this means it will reduce the amount you pay each month, but it will take longer to pay off. If you are on an interest-only deal, you would still pay the same each month, but it would give you longer to build the capital to repay the original loan. 

Changing your mortgage type

You could move from a capital repayment to an interest-only mortgage for a short or longer term, but we would need to discuss whether you could meet the increased repayments at a later date and any outstanding capital when your mortgage ends. 

Deferring payments

We can look at deferring some or all of your payments, although you will need to repay these deferred amounts in due course.

Reducing your interest rate

In some exceptional circumstances we can look at reducing the interest rate you pay so you have some extra money in your pocket for a period of time. 

The impacts that these arrangements could have on you

Making changes to your mortgage can help you through a rough financial patch. But it may mean you ultimately pay more interest and/or increase the cost of your mortgage.

Once an arrangement comes to an end, we will work with you to agree how best to repay any deferred payments and get you back on track.

We also have to tell credit reference agencies about these arrangements. While other lenders will be able to see that an arrangement is in place, this should generally be viewed more favourably than missing payments where an arrangement has not been agreed.


Consequences of missing a mortgage payment

If you do continue to miss mortgage payments expected under your contract or any arrangement we’ve agreed, we may commence legal proceedings to collect that money. As a last resort, we may repossess and then sell your home.

If the amount we get for your property is less than the mortgage outstanding, you would need to pay the remaining amount.

If you have a joint account or a mortgage guarantor and you don't pay, then we will ask them to pay for you. If you miss a payment, it reflects badly on your credit score. This can make it hard to borrow money in future.


If you don't keep up with your mortgage payments, we may need to repossess your home. So, it is best to speak to us so we can help you to avoid things getting this bad.

Other places you can go for help and information about borrowing and debt

Hands pushing soil around a tomato plant

If you are struggling, particularly with a number of other debts, then you can also turn to a number of free organisations that offer debt help online, over the phone or face-to-face:

You can get in touch with someone to discuss your finances and how to get yourself out of these short-term difficulties.

Frequently asked questions

Here we've provided answers to some common questions. Please call your banker or our team on +44 (0)20 7597 4050 if you have any further queries or wish to discuss your situation. 

  • How do I amend the direct debit to pay for my mortgage?

    Your banker can do this for you, or you can call our team on +44 (0)20 7597 4050 and they'll be happy to help. 

  • Will my credit score be impacted by speaking to Investec about financial difficulty?

    No, speaking with us about your circumstances will not affect your credit score.

  • What happens if I miss a mortgage payment?

    We'll write to you within 15 days of a missed payment, but please try to speak with your banker or our mortgages team on +44 (0)20 7597 4050 before missing a payment. If you continue to miss mortgage payments, we will need to take corrective action and it could lead to your home being repossessed. 

  • Will my credit score be impacted if I miss a mortgage payment?

    If you miss a mortgage payment without telling us, we must report it to Credit Reference Agencies. This could lower your credit score and negatively impact future applications to borrow money. That's why it's crucial to speak with us as soon as you can. 

  • What do I need to do with my mortgage if I get divorced or separate from my partner?

    You need to tell us if you are divorcing a partner who you share the mortgage with. It is important to agree with your partner how you will continue the payments and any other actions you wish to take regarding the property going forward. Moving out of the property does not mean you can cease making payments towards the mortgage. 

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