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Log inManchester Building Society is committed to providing ongoing support to those in financial difficulty, especially those who may be worried about making their mortgage payments.
The Society recognises that the upcoming Christmas period may be financially stressful for borrowers.
To provide certainty Manchester Building Society has agreed, to a voluntary Christmas Moratorium which means that no customer will lose their home over the festive season.
Between Monday 15 December 2025 and Monday 5 January 2026
Members of UK Finance and the Building Societies Association (BSA) have agreed that they will not seek, nor enforce, a warrant for possession for residential and buy-to-let properties. There are some exceptional circumstances when we may continue with possession. This might be where the property is vacant, the customer is deceased, or where a borrower requests that proceedings continue.
This means that for consumers who have already been to court, and a judge has granted a possession order, we will not take any additional steps during the Moratorium period.
The Society will continue to communicate to customers about how you could get back on track. Even where we obtain a Possession Order, possession is not necessarily a foregone conclusion, and you can restart paying some of your mortgage we will continue to support you.
For renters whose landlords are in financial difficulty, we will continue to appoint Receivers of Rent during this period. Appointment of a Receiver of Rent allows a tenant to remain in the property while the lender takes possession action.
If you are worried about money and it’s having an impact on you, you should seek support. We have a dedicated team who are here to help support you. There are options that might be right for you which help tackle the problem early. Telling us about difficulties with paying your mortgage will not affect your credit rating.
Please contact us if you are unable to make your mortgage payments – we’re here to help.
If you're worried about keeping up with your mortgage payments, we're here to help. Please contact our Mortgage Support Team as soon as you can. You can reach us at 0800 083 9341 (freephone) or 0161 923 8025, you can also email us at mortgagesupport@themanchester.co.uk.
The sooner you get in touch, the sooner we can talk through options that might help. Remember, reaching out to us about payment difficulties won’t affect your credit rating.
Lines open 8:30am to 5:00pm Monday - Friday, excluding bank holidays.
Manchester Building Society will:
If you are in arrears, we may charge you for reasonable administrative and legal costs which are laid out in the Tariff of Charges. We will also tell you the amount you will have to pay when we write to you.
Some companies may invite you to sell the property to them and then lease it back as a way of resolving your short term financial difficulty. Please be careful as such actions may not be in your long term best interest. We would advise you to seek independent advice before entering into any arrangement of this type.
If you do this, you will still owe us any outstanding debt. Please discuss this option with us or an independent adviser before taking such action.
The Mortgage Charter is a set of promises made by the government, banks, UK lenders and regulators to help people who are finding it hard to pay their mortgage.
If you have a home loan with us and you’re keeping up with your payments, there are now ways to make those payments smaller for a while, without it hurting your credit record. Here are two ways we can help:
1. Increase your mortgage term:
You can choose to take more time to pay back your mortgage. That way, your monthly payments will be smaller. You don’t have to go through extra checks if your new finish date doesn’t go past your retirement age. Just remember: you’ll end up paying more in total because you’re paying for longer. You can go back to your old plan within 6 months without any extra checks.
2. Pay only the interest for a little while:
For up to 6 months, you can choose to just pay the interest and not the actual loan. This makes your payments smaller for a bit. But your loan won’t get smaller during that time, so after the 6 months, your payments will go up again.
If you want to know more or need help, you can call us on 0161 923 8025 or email mortgagesupport@themanchester.co.uk.
Lines open 8:30am - 5:00pm Monday to Friday, excluding bank holidays.
A government-backed service offering free, impartial guidance and further support if needed.
www.moneyhelper.org.uk
A confidential online calculator to help you check if you are eligible for any benefits
www.turn2us.org.ukAs a member of Newcastle Building Society Group, you have access to Helping Hand, a service provided by Citizens Advice Gateshead.
This service is dedicated to supporting our members with expert advice when you need it. To access Helping Hand, call us on 0161 923 8025 or email mortgagesupport@themanchester.co.uk.
Lines open 8:30am - 5:00pm Monday to Friday, excluding bank holidays.
YOUR MORTGAGE WILL BE SECURED ON YOUR HOME. YOUR HOME MAY BE REPOSSESSED IF YOU DO NOT KEEP UP REPAYMENTS ON YOUR MORTGAGE.
