Make a mortgage payment to us

Paying by Direct Debit

A direct debit can only be set up if it is in the name of at least one of the account holder’s names (we won’t accept third party direct debit such as company/business accounts).

We can either arrange a direct debit over the phone or send you a paper mandate. If you’d like us to send you a mandate form, please contact us.

Unfortunately we’re not able to action mandate forms by email as we can't verify that they have come from you.

Please note we’ll need at least ten working days before your payment is due to set up a new direct debit.

Changing your existing Direct Debit

To change your direct debit, you'll need to contact us with the sort code and account number of the new current account you’d like payment to be taken from. The account must be in the name of a mortgage account holder.

The new direct debit will take ten days to set up. We’re unable to make changes to your direct debit instruction on and during the three days before your collection date.

Pay using our bank details

Please use the account details below when making a payment to us:

  • Full first name
  • Last name
  • Account type (must be a personal account)
  • Sort code: 07-30-15
  • Account Number: 00002112

Please quote your mortgage account number as the reference.

Paying by cheque

Please make cheques payable to: UCB Home Loans

Write on the back:

  • your full name
  • your account number

And send them to:

UCB Home Loans
Northampton Administration Centre
Kings Park Road
Moulton Park
Northampton, NN3 6NW

We’ll accept cheques for up to six months from the date of issue.

If you’ve got a cheque issued by us which is older than six months, so long as the cheque is less than six years old you can contact us for a replacement.


Please view our overpayments page.


You should request a redemption statement showing how much is needed to close your account on the date of redemption.

To receive a redemption statement, you can contact us to ask for a statement and we'll provide you with a copy free of charge. If your solicitor requests this statement on your behalf, we'll need your authority to provide them with this information.

If your redemption figure is higher than expected, this may be due to early repayment charges or a product fee that was added to your balance when the mortgage or a product switcher was arranged. Please check your redemption statement and mortgage statements for details of any fees which may have been added to your balance.

To make a payment to us, see the table below for our details

Brand Sort Code Account Number
CHAPS 40-05-15 58696639
BACS* 07-30-15 00002112

*For BACS payments, please make sure to include your full first name, last name and account type (must be a personal account) when making a payment with us.

You’ll also need to quote your mortgage account number as the reference. A redemption administration charge of £65 will be applied and early repayment charges may be applicable.

We’d then recommended you contact us directly to confirm you’d like to close your account with the payment you’ve sent. We’ll provide you with written confirmation within:

  • 15 working days for customer redemptions from the date we receive your funds
  • 10 working days for solicitor redemptions from the date we receive your funds.

How long it takes to process payments

Depending on how you paid, it can sometimes take several days for payments to reach your account. The table below shows the estimated timescales:

Payment method Processing time
CHAPS/Telegraphic Transfer

If sent before 3pm, payment is applied on the same day.

If sent after 3pm, payment will be applied to your account by close of business the next working day.

BACS Payment usually takes 2-3 working days to reach us. We’ll apply the payment as soon as we receive it.
Cheques Date of receipt. We’re unable to hold post-dated cheques.
Credit/debit card Immediately.

Please ensure you include your account number as a reference with any payment.

If your payment hasn’t been applied to your account within the timescales specified above, please contact us with the following details:

  • mortgage account number
  • the exact amount paid
  • the payment date

Change a payment date

You can change a payment date. However be aware that on standard mortgage accounts you can’t miss a monthly payment.

If you’re changing your payment date from the last day of the month to the first day of the month, you’ll initially have to make two consecutive payments (one payment on the last day of the month, then another payment the next day as it’s the first day of the next month).