Making mortgage payments

We have a range of options for you to make mortgage payments:

Please see our dedicated pages for other types of payment:

Important:

Before you start, you, or your limited company, must be named on the mortgage to make a payment.

Direct debit

Direct debits can only be set up from a bank account in the name of at least one of the mortgage holders, or in the name of your Limited Company.

Set up a new direct debit or update your bank details

  • For accounts held by a Limited Company, please download our direct debit form, print and complete it, then post to us using the address on the form.

Change your payment date

To change your payment date on an existing direct debit, please complete the change of direct debit request form.

Note:


You can change your monthly payment date, but please be aware that on standard mortgage accounts, you can't miss a monthly payment.

For example, if you change your payment date from the last day of the month to the first day of the month, you'll initially have to make two consecutive payments (one on the last day of the month, and another on the following day, as it's the first day of the month).

Bank transfer or standing order

To make monthly mortgage payments by standing order or bank transfer, you'll need these details:

  • Account name: The Mortgage Works UK PLC
  • Sort code: 20 12 04
  • Account number: 30813230
  • Account type: Business

Please use your mortgage account number as the payment reference.

Payment processing times

  • CHAPS payments will arrive on the same day, if sent before 3pm on a working day. If you set up the payment after those times, or on a weekend or public holiday, we’ll receive the payment on the next working day
  • BACS payments take 3 working days to clear.

Cheque

Please make all cheques payable to 'The Mortgage Works'.

On the back, write your full name and account number and post to:

The Mortgage Works
Northampton Administration Centre
Kings Park Road
Moulton Park
Northampton, NN3 6NW

Your payment will be applied on the date we receive the cheque. We can't hold post-dated cheques.

If your payment isn't showing on your account

Please be sure to input our payment details correctly to ensure we receive your payment. If for any reason your payment hasn’t been applied to your account, contact us with the following details:

  • mortgage account number
  • the exact amount paid
  • the payment date