Making your monthly mortgage payment

There are several easy and convenient ways to pay your mortgage every month. Whichever payment method you choose, it is important to make sure your payment reaches us by your due date each month, to avoid your account falling into arrears and affecting your credit file. Please make sure you understand the payment processing times of your chosen payment method. This is especially important when your due date falls at a weekend.

Payment Method Features What to do next How long does this method take
Direct Debit Regular, automatic payments with the reassurance that you will not forget a payment.

A £6.50 charge is payable if collection fails first time.
Download the Direct Debit form or call us on 0330 159 6612 Your Direct Debit must be set up 4 working days prior to your first payment due date, to allow for collection.
Payment Line Available 24/7, straight through to payment. Instantly receive a confirmation.

You are able to store your card details to make the process even easier the next time you use the payment line.

Find out more about Payment Line

Call us on 0330 159 6612 to make a payment.
Payments made after 8pm will be automatically applied to your account the following day, even on non-working days.
Online Transfer If you use online banking, make a payment anytime, anywhere with an internet connection. Make a payment using our account details quoting your mortgage account number as the reference. Find out more about online transfer Payments made after 6:30pm, at the weekend or on a bank holiday will be applied to your account the following working day.
Standing Order

Set it up with your bank and payments will be made on the same day every month.

Contact your bank or access your online banking to set up a payment. Please note if your payment amount changes it is your responsibility to amend your standing order details. Please instruct your bank to make the payment at least four working days before your mortgage payment due date. Please Note: if your due date falls on a weekend or Bank Holiday, the payment will be applied to your account the following working day.
In Branch For people who prefer to make face-to-face transactions.

Make a mortgage repayment at any branch of your own bank (the bank your current account is with) or make a mortgage repayment at any Natwest or RSB branch (even if you don’t have an account with them) as long as you have your ‘mortgage repayment slip’.

If you need a paying in book contact us on 0330 159 6612 to request one.

Payments will be applied to your account the following working day.
Please Note: A £1 fee is charged for every branch payment made.

Cheque A £6.50 charge is payable if collection fails due to lack of funds. Simply post your cheque to us at:

Whistletree, PO Box 655, Durham, DH1 9LX

Please allow five working days to allow for postage and the payment to be applied to your account.
Pay by Direct Debit

By far the most popular way to pay many household bills. Once set up, Direct Debit is hassle-free and your payment is automatically covered by the Direct Debit Guarantee.

You also have the peace of mind that your payment has been made on time and is free, if your account is up to date. It’s easy to set up and you can re-arrange or cancel it at any time – just call us to change your payment or details.

Update August 2016: The notice period required before changing the date or amount of your monthly payments has reduced from 10 working days to 4 working days.

Click here to download and complete a Direct Debit Mandate form and return it by post to Whistletree, PO Box 655, Durham, DH1 9LX or call us on 0330 159 6612*

We will apply your payment on the due date. If a Direct Debit payment collection fails, a £6.50 charge is incurred. 

Please see our Direct Debit - Frequently asked questions page for more information.

Has your Direct Debit collection failed? Please be aware we may try to take the Direct Debit payment again 7 working days after the first collection fails. Please call us to confirm. In the meantime, we do not recommend that you use any other payment method to make your payment/s as this may lead to a double payment being taken from your bank account.

Pay using our automated Payment Line

Call 0330 159 6612* and select option 1. Please have your account number, date of birth and correspondence postcode to hand. This line is available 24/7. Please make sure payment is made before 8pm on your payment due date. To use this service you need to be the account holder, not a third party.

Please note: Payments made after 8.00pm will not be applied to your mortgage account until the next day (this includes non-working days)

Please do not use this service if your Direct Debit has failed as this may lead to a double payment being taken from your bank account. We may try to take the Direct Debit payment again 7 working days after the first collection fails. Please call us on 0330 159 6612* 8.30am - 6pm Monday – Friday to confirm.

Pay by Online Transfer

If you’re more comfortable using online banking, then please use the following details to set up your payment.

Account number: 80142710
Sort Code: 62-31-88
Reference number: your existing account number

Payments take five working days to clear and are only applied to your mortgage account Monday to Friday (not bank holidays), with a cut-off time of 6:30pm. Payments made after 6:30pm and at weekends or bank holidays are received the next business day (Monday to Friday), so you need to factor this in when making your payment.

Pay by Standing Order

A Standing Order can be set up by phoning or visiting your bank, or online if you use online banking.

It can only be set up and changed by you via your bank so that you remain in full control of your finances.

If you would like to make your mortgage payments via Standing Order, use the following details.

Account number: 80142710
Sort Code: 62-31-88
Reference number: your existing account number

Payments take five working days to clear and are only received Monday to Friday (not bank holidays). When instructing your bank to make the payment, please allow five working days before your due date to allow the payment to clear in time.

Paying at a bank

Although people rely less on their local branch than they used to, some do still like the personal approach of face-to-face transactions. If that sounds like you, you can:

  • Make a mortgage repayment at any branch of your own bank (the bank your current account is with)
  • Make a mortgage repayment at any Natwest or RSB branch (even if you don’t have an account with them) as long as you have your ‘mortgage repayment slip’. If you do have an account with them, you do not need the mortgage repayment slip.

Please allow at least one business day to cover processing. A £1 charge is payable for every branch payment made.

Pay by Cheque

It is still possible to pay by cheque, even though it is a little slower than most other methods. If you do want to continue making your mortgage payments in this way, please remember to allow additional time for your payment to clear once received.

Cheques should be made payable to: Whistletree

Please post to the following address: Whistletree, PO Box 655, Durham, DH1 9LX

Please allow five business days for your cheque to be received and reach your mortgage account by the due date. A £6.50 charge is payable if collection fails due to lack of funds.