Mortgage Customer and Intermediary login
At United Trust Bank, we’re here to welcome home the customers who are underserved by mainstream lenders. Perhaps you or your client has a complex income, or wants to buy a non-standard property. Our range of specialist products and common-sense approach to underwriting mean we can offer flexible solutions across residential, buy-to-let and second-charge mortgages.
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Existing mortgage customers
Log in to your accountLog in securely to your mortgage account or register to set up access or click here for more help.
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Mortgage intermediaries
Intermediaries siteThis area is for professional intermediaries only and is not intended for public or customer use.
Specialist mortgages for unique clients
We know that many clients have unique circumstances, so why should mortgage products be one-size-fits-all? While many mainstream lenders reject complex cases, we’re here to help those who need a more flexible approach. This includes those who want a property that is a non-standard construction, those with complex income, multiple jobs or self-employed status, and those who may have had a few credit blips in the past.
We go further,
so you can too
Whether you’re looking to buy a home, carry out improvements, consolidate debts, or wish to borrow money for another reason, our award-winning team and broker partners are here to help.
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Need a broker?
Trusted partnersThere may be occasions when you have additional needs and require the support of a mortgage broker. For these cases, we have provided you with the FCA register, which is a record of all brokers across the country who are regulated and authorised to do business.
In addition, we’ve compiled a list of trusted brokerage partners across the UK, who will be able to support you with future borrowing requirements.
Think carefully before securing other debts against your home. Your home may be repossessed if you do not keep up repayments on your mortgage.
Already have a mortgage with us?
At United Trust Bank, we’re committed to providing excellent service to all of our customers. You can view your mortgage online, or call us on 0330 0535715 with any queries.
How can we help?
Frequently asked questions
Difficulties Paying your Mortgage? Learn more about the Mortgage Charter
Worried about your mortgage payments? We’re here to help.
We understand that you might be anxious about the cost of living crisis and how to keep up with your mortgage payments as well as paying your other bills.
In general, if you can find a way to continue your current mortgage payments then you should do so. But we can offer you other options in case you can’t.
United Trust Bank and the government’s Mortgage Charter
UTB, along with other banks, has agreed to the commitments of the Mortgage Charter released by the UK government. The charter sets out how banks can give customers additional flexibility with their mortgages. The Charter only applies to first charge mortgages but if you are struggling with a second charge mortgage you can still contact us and we’ll be happy to help.
The Mortgage Charter says that customers who are currently up to date with their payments can:
• Contact their bank to discuss options for support if they are struggling.
• Choose to pay only the interest payable on their mortgage for a 6-month period.
If you have a capital repayment mortgage and are unable to meet your monthly payments in the short term, you may be able to change your monthly payment to just pay the interest for 6 months. If you choose this option, you’ll start a 6-month period of temporary interest-only payments. This means that your monthly payments will only cover interest – not the mortgage capital (the amount you borrowed) itself. When the temporary interest-only period ends and you go back to paying your mortgage in the usual way, your payment will cover both the interest and the capital again, and the payments will be higher at this time to ensure your mortgage is fully repaid within the term. Overall, using a temporary interest-only period means that the total amount you’ll need to repay will be higher. But it can be useful because the monthly payments during the 6 months are lower.
• Extend their mortgage term, with the option to reverse it within 6 months.
You may be able to extend the term of your mortgage. This could help reduce your monthly payments. You will then have the option of reversing this term extension. We can do this without affordability checks provided your term doesn’t extend into your retirement. Extending the term of your mortgage means that you’re agreeing to pay your mortgage over a longer period of time. If you only need to do this temporarily, you will have the option to reverse this change so that your mortgage goes back to its original term within 6 months. If you do not elect to any future request to reduce the term would require an affordability assessment. By extending your term you will lower your monthly payment, but you will increase the total amount you pay back over the term of the mortgage. You can minimise the impact to the total amount you pay by choosing to reverse your term within 6 months. However your monthly payments will increase when you reduce your term.
If you are already behind with your payments the Charter does not apply but you should still contact us as soon as possible as there are still options available.
UTB offers the option of switching your mortgage rate up to 3 months ahead of your rate expiring.
It’s important to make sure that any changes you make to your mortgage are right for you. If you have any questions, call us on 0330 0535715 or email us [email protected] and we’ll be happy to help. A chat about your options won’t affect your credit score, so the sooner you get in touch with us, the sooner we can help.
Lines are open 8:30am to 5:30pm Monday to Friday.
What other help is available?
Other organisations can offer free financial help and support. This may help if you are struggling with payments to multiple lenders.
Take a good look through the following sites, you may wish to discuss your personal situation with them ahead of calling us.
https://www.payplan.com/contact-payplan/
https://www.moneyhelper.org.uk
https://www.citizensadvice.org.uk/
https://www.shelter.org.uk/
https://www.stepchange.org/
How to make a payment
Ways to Pay
Direct Debit
Let us do the work. We will collect your monthly instalments directly through your bank. Whenever there is a change to the amount or date of collection we will write to you in advance.
Self Service Payment Line
Payments can be made 24 hours a day without the need to speak with one of our team.
Tel: 0330 0535715 (option 1)
Standing Order
You can set up a Standing Order with your bank so payments are made automatically each month. If however there is a change in your instalment, unlike a Direct Debit, you will need to make the change with your bank. Please quote your account number as the reference.
Account Number: 14487868
Sort Code: 30:80:12
Bank Transfer
You can visit your bank or make payment 24 hours a day through online banking. Please quote your account number as the reference.
Account Number: 14487868
Sort Code: 30:80:12
Cheque
If you prefer to make payments by cheque, you can post this to the address at the top of our letter. Please allow 5 working days to clear with your bank. Please note that there is a £15.00 fee for payment by cheque.
Request a Redemption Statement
Please click here for our redemption statement request form.
Please note that our standard turnaround time for redemption statements is 5 working days. Should you be planning to complete on a house sale/purchase or remortgage sooner than this, please call us on 0330 0535715 (option 3).
Send us a message
If you would like to discuss any of the above please send us a message using the form here.
Coming to the end of your fixed rate?
If your current United Trust Bank mortgage is coming to the end of its fixed rate period then you will have the option to switch to one of our current products.
• We will write to you 90 days prior to the end of your fixed rate period to notify you of the products that are currently available for you.
• Enclosed will be a form for you to read, sign and return if there is a product that suits your needs.
• Upon receipt of your product switch form our team will process the change in readiness for the end of your fixed rate.
IMPORTANT – Please note that United Trust Bank cannot provide any advice on the suitability of the product you choose. If you are unsure what product is best for you, you will need to speak to an independent credit intermediary. This can be the one you used originally to take your mortgage out, or another Financial Conduct Authority regulated adviser.
What happens if I do not switch?
You have up until 3 months after your product expiry date to transfer.
If you decide that you do not wish to transfer then your fixed rate period will end and move onto our standard variable rate. Please see section 4 of your mortgage offer for further details.
Lastly, If you have not received your letter and your fixed rate is due to end then please feel free to call or email us on the below contact details.
Email: [email protected]
Phone: 0330 053 7515