Branches & agencies
Free and independent advice
If you are finding it hard to keep up with your payments, or if you are already having trouble managing your debts, you should seek free help and advice. There are many organisations available that can offer you help and support with managing your finances.
Your mortgage is known as a priority debt, and it is important that you understand what this means when making decisions about your mortgage payments and any other debts, arrears and outgoings you have.
Citizens Advice have produced a helpful guide to understanding and managing priority and non-priority debt which you can find here: Making a plan to pay your debts – Citizens Advice
MoneyHelper have provided the following guidance on the debts you should pay as a priority, you can view this here: How to prioritise your debts – MoneyHelper
Once you have prioritised your debts, you can work out a budget to understand how much money you will have available going forward to pay your commitments. You might wish to use a tool such as the MoneyHelper Online Budget Planner, or you can use a tool provided by a debt adviser to help you do this.
General debt advice
Citizens Advice
Offer free good quality, independent advice. You can contact them via their website, over the phone or in person.
Visit their website >StepChange Debt Charity
Provide free, flexible debt advice that is based on a comprehensive assessment of your situation.
Visit their website >MoneyHelper
Provide free, clear money help to make your money and pension choices clearer. Impartial guidance that’s backed by government.
Visit their website >National Debtline
Offer free and confidential debt advice service for people in England, Wales and Scotland. You can contact them via their website, over the phone or email.
Visit their website >Housing Loss Prevention Advice Service
Government-funded legal advice and representation (legal aid) where you can get free legal advice, and representation in court, if you are at risk of losing your home and regardless of your financial circumstances.
Visit their website >Mental health support
Mental Health & Money Advice
Provides free and impartial information, support and advice for anyone with a mental illness who is struggling with their money, and anyone whose financial problems are affecting their mental health.
Visit their website >Mind
Offer mental health support across England and Wales through reliable information, confidential advice and local services. You can contact them using their website, over the phone, via email or visiting your local Mind.
Visit their website >Samaritans
Samaritans responds to a call for help. They are available day or night, for anyone who’s struggling to cope, who needs someone to listen without judgement or pressure. You can contact them via phone or email (jo@samaritans.org.uk).
Visit their website >Fuel poverty
Citizens Advice
Offer free good quality, independent advice. You can contact them via their website, over the phone or in person.
Visit their website >National Energy Action (NEA)
A charity, working to ensure that everyone in England, Wales and Northern Ireland is warm and safe at home. You can contact them via their website, over the phone or email.
Visit their website >Rainy Day Trust
Support people who have worked in the home improvement and enhancement industries with help financial assistance, additional training and more.
Visit their website >Not sure what you need?
Let us help
Explore our website to find what you need or click below, and get in touch with a member of our team.