Support for existing mortgage customers

There are a few ways you can make a payment to your mortgage.  

Paying by Direct Debit  

For most of our customers, this is the simplest and most effective way to pay your mortgage. You can download and print a Direct Debit form or request one to be sent to you by calling us on 0161 923 8030, or by emailing us at mcs@themanchester.co.uk. 

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Complete and sign the form, and include the date you want the payment to be collected, then return it to us at:  

Manchester Building Society, PO Box 995, Wallsend, NE28 5FR.  

Paying by bank transfer  

For payments made by electronic transfer, standing order, CHAPS or faster payment you will need to ask your bank to send the payment to:  

Beneficiary: Your first and last name  

Account number: 60310646 

Sort code: 20-55-34 

Reference: Your Manchester Building Society account number*  

*Your reference number is your 10-digit account number with no spaces or dashes. Any letters in your reference number must be in upper case. Failure to quote your correct reference number may result in the payment being returned.  

Paying by debit card  

Call us on 0161 923 8030 with your mortgage account number and card details to hand. 

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Paying by cheque  

Send a cheque from a bank or building society account held in your name to:  

Manchester Building Society, PO Box 995, Wallsend, NE28 5FR. 

Please make the cheque payable to: Manchester Building Society re (quote your 10-digit account number).  

Take a look at our standard mortgage fees. 

An early repayment charge (often called an ERC) is a fee you might have to pay if you pay off your mortgage (or make a big overpayment) before the end of your agreed fixed term. 

If your product has an overpayment facility you can make overpayments each calendar year before the early repayment charge applies. Please check your mortgage offer for details.  

With our agreement, you could change the term of your current mortgage. The amount of your monthly mortgage payment could change as you will be paying your mortgage off over either a longer or shorter period of time.  

If you have any questions or you’re worried that your plan will not repay your mortgage balance in full at the end of the mortgage term please contact our customer support team on 0161 923 8095. 

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In certain circumstances, you may be able to rent out your house if you meet the qualifying criteria.  

To find out if you’re eligible, call 0161 923 8030 or email us at mcs@themanchester.co.uk. 

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Yes, there is no fee for providing a duplicate statement.  

We can give you a figure verbally (this won’t be a final settlement figure) or an exact figure can be sent to you by post. There is no charge for this service.  

To request your balance you can call us on 0161 923 8030 or email us at mcs@themanchester.co.uk. 

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We recommend you regularly check whether your mortgage rate is still competitive.  

We’ll confirm the interest rate applicable to your mortgage on 31^st December each year in your annual statement. 

You can check your interest rate at any time by calling us on 0161 923 8030 or by emailing us at mcs@themanchester.co.uk.

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If you share a mortgage with another person and want to transfer the mortgage into one name, or if you want to add another name to your mortgage, then you’ll need to talk us to.  

You can call us on 0161 923 8040 or email us at mcs@themanchester.co.uk. 

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To talk about your arrears or if you think you may experience problems making your monthly payments please contact our mortgage support team on 0800 083 9341 (freephone number) or 0161 923 8025. 

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You can call us on 0161 923 8030, email us at mcs@themanchester.co.uk or write to PO Box 995, Wallsend, NE28 5FR.  Please provide us with details of the account holder and enclose either the original, certified copy, photocopy or scanned copy of the death certificate. 

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If you don’t think we’ve treated you fairly, you can complain by telephone on 0161 923 8030, by email to mcs@themanchester.co.uk or in writing to Manchester Building Society, Lending, PO Box 995, Wallsend, NE28 5FR.

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Many concerns can be dealt with promptly, and we’ll try to resolve your complaint within 3 business days, usually by telephone.

If your complaint can’t be resolved by the third business day we’ll write to you within 5 days to confirm that we’ve received your complaint.

Once we’ve finished our investigation we’ll write to you with a Final Response.

If your complaint isn’t dealt with to your satisfaction, you can choose to then take it to the Financial Ombudsman (FOS). 

Referrals to Financial Ombudsman Service (FOS) are free of charge and must be referred within six months from the date of our final response letter.

They can be contacted at:

The Financial Ombudsman Service
Exchange Tower
London
E14 9SR

Phone: 0800 023 4567

Email: complaint.info@financial-ombudsman.org.uk

Website: www.financial-ombudsman.org.uk