We have to report missed mortgage payments to credit reference agencies, so missing a payment can have a serious impact on your credit score and your ability to get credit in the future.

Additionally, other lenders will also be able to see if you agree to repay any arrears over an extended period, and this could impact if they want to lend to you in the future.

However, reaching out to talk to us about your payments will not hurt your score.

So if you're worried about making your payments, it's critical you reach out right away so we can work together and stay on top of things.