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We offer several convenient ways to make your monthly mortgage payment. It's important to ensure that your payment is received by the due date to stay on top of your mortgage. You can make a payment today using the link below, or keep reading to learn more about setting up automatic payments through direct debit.
Make a paymentWhether you are a first-time buyer or already own multiple properties, here’s what you need to know about making a payment, getting answers to frequently asked questions, and exploring how to make an overpayment on your mortgage. If you’re worried about missing a monthly payment, further information is available here. Our team has a range of options to support you and work with you to get back on track with your payments
Direct debit is the simplest way to make a payment to us. Set up a new direct debit by complete this form. Once complete, send this to us via email or post.
Here are some of the most common questions asked by our customers.
If you are unable to make your mortgage payment by direct debit, do not worry; there are some alternative ways to pay, which you can learn more about here.
Our tariff of charges contains full details of the fees we charge before and during the term of your mortgage. Click here to see these charges.
If you choose to pay more than your minimum monthly mortgage payment or decide to pay a lump sum payment to help reduce your outstanding balance, Bluestone Mortgages will walk you through the process to ensure that you are aware of any *Early Repayment Charge (ERC) or any restrictions on the maximum amount you can overpay each year, you can find details of any ERC payable in your mortgage offer.
*An ERC is a fee for ending a mortgage early, such as redeeming in a three-year fixed deal after just one year or deciding to pay a lump sum to reduce the mortgage balance.
Paying off your mortgage in total – also known as a mortgage redemption – can be done anytime. However, you might need to pay an early repayment charge (ERC) and other applicable fees.
If you want to pay your mortgage in full, please email us at customersupport@bluestonemortgages.co.uk. We’ll send you a redemption statement showing the total amount you must pay, including recent payments, interest charges, ERCs, and other fees.
You can also ask for a redemption statement over the phone at Yes, we can easily change your due date (after your first mortgage payment is made after completion on the 1st) from the 2nd to the 28th of the month. Just give us a call at 0800 368 1834, and we can arrange this over the phone.. If your mortgage is approaching the end of its term, we’ll automatically close it after your final payment. We’ll also refund any money you’ve overpaid.
The ERC will be calculated and applied on the date we receive your payment from you or your solicitor; our redemption statement clearly shows when the ERC period ends and what percentage of ERC will need to be paid. The example below illustrates a 5-year fixed product and the percentage of ERC charged each year during this fixed period. Please check your redemption statement or ask your solicitor to check. Moving the redemption by a day or so may save you money.
| Year | Date Start | Date End | Rate % |
|---|---|---|---|
| 1 | 12/03/2020 | 11/03/2021 | 3 |
| 2 | 12/03/2021 | 11/03/2022 | 2.5 |
| 3 | 12/03/2022 | 11/03/2023 | 2 |
| 4 | 12/03/2023 | 11/03/2024 | 1 |
| 5 | 12/03/2024 | 11/03/2025 | 0.5 |
Please be aware that an ERC runs from the day your mortgage is completed, not when you receive your mortgage offer.
Yes, we can easily change your due date (after your first mortgage payment is made after completion on the 1st) from the 2nd to the 28th of the month. Just give us a call at 0800 368 1834 or email customersupport@bluestonemortgages.co.uk, and we can arrange this.
If you are having trouble paying your mortgage?
Please don’t ignore the problem – visit our Mortgage support page or get it in touch. We’re available Monday to Friday 9:00am – 5:30pm. We’re closed on Saturdays, Sundays and bank holidays.
Already missed a payment?
If your Direct Debit has failed, please call or email us as soon as possible so we can discuss your options as this could impact your credit file.
Our lines are open
Mon-Fri 9:00am – 5:30am.
Calls may be recorded.
Customer Service numbers
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