Making your monthly payments

 

There are several easy and convenient ways to pay your mortgage every month, including Direct Debit, bank transfer, and debit card payments. You can find out more information here and see your options below.

Please note – we can only accept monthly payments from customers named on the mortgage account, unless you’ve set up a third party authority allowing someone else to make payments on your behalf.

Paying by Direct Debit

The simplest way to make your monthly mortgage payments is by Direct Debit. It’s free, easy to set up, and you don’t have to worry about forgetting to make a payment, because we ask your bank for your payment on or around the same date every month.

If your monthly mortgage payment changes, for example because of an interest rate change, we’ll make sure your Direct Debit is altered and give you at least four days’ written notice of your new payment amount.

You’re in control because you’re free to ask your bank to cancel your Direct Debit at any time. You also have the reassurance of the Direct Debit Guarantee which means that, in the unlikely event of an error in the payment of your Direct Debit, you’re entitled to a full and immediate refund.

Other ways to pay

There are several other ways you can make your payment if you can’t pay by Direct Debit. Please read the information below carefully to make sure that, whichever payment method you use, your payment reaches us on time. This is particularly important when the last day of the month falls on a Saturday, Sunday, or on a bank holiday.

If we don’t receive your monthly payment by the end of the month in which it’s due, your account could fall into arrears, and that may have a negative impact on your credit file.

We can only accept payments from customers named on the mortgage account, unless you’ve set up a third-party authority allowing someone else to make payments on your behalf.

Self-Serve is our secure online system, which is available 24 hours a day, 7 days a week. You can use it to make payments, check your balance, interest rate or payment amount, request a statement, send us a secure message and more.

If you’ve registered for Self-Serve, you can use this to make a debit card payment quickly, easily, and securely.

Simply sign in, click Make a regular payment in the menu on the left of the Account Summary and then follow the on-screen prompts.

You’ll need your card at hand because we don’t store your debit card details. We don’t accept credit card payments.

Payments made after 9pm on weekdays or after 5pm on Saturday or Sunday will be applied to your account the
following day.

Sign In now – If you’ve previously registered for Self-Serve with NRAM, you can sign in with Hessonite Mortgages using the same username and password.

Register now – To use Self-Serve for the first time, you’ll need to register. For more details, please see our Self-Serve section.

You can call us and make a payment using your debit card between 7am and 9pm from Monday to Friday, and from 7am to 5pm on Saturday or Sunday.

You’ll need your account number and your correspondence postcode when you call. Please also have your debit card to hand because we don’t keep a record of your debit card details.

Most customers don’t need to wait to speak to an agent – it’s quick and easy to follow the prompts and make your payment using our automated system.

Under some circumstances we won’t be able to take your payment using the automated system. If that happens, we’ll redirect you to speak to an agent, but we’ll usually only be able to do that during our opening hours for general enquiries. If you’re paying at the end of the month, please take this into account, because your account could fall into arrears if we haven’t received your payment before the month ends.

A bank transfer is a single payment that you instruct your bank to make. You choose when the money will leave your account and can usually request the transfer online, in branch or over the phone.

We’ll need to receive your bank transfer by no later than 4pm on the last working day of the month, because bank transfers received after 4pm on the last working day of the month won’t be applied to your account until the next working day. If we’re unable to process your payment by the last day of the month, we may treat your account as being in arrears.

Our account details are below. Please make sure to verify the details before sending your payment and you must include your mortgage account number as a reference. If we receive your payments without a reference, they may not reach your account and that could result in your account falling into arrears.

If your mortgage account number begins with a 4, 5 or 6 the account details to use are:

Account name: Topaz Finance Limited
Account number: 00038792
Sort code: 40-41-70
Reference: Your mortgage account number

If your mortgage account number begins with a 1 the account details to use are:

Account name: Topaz Finance Limited
Account number: 20038806
Sort code: 40-41-70
Reference: Your mortgage account number

A standing order is a regular payment that you set up through your own bank, either online, over the phone or in branch.

Most banks won’t process standing orders over the weekend or on a bank holiday. If you want to pay by standing order towards the end of the month, you’ll need to make sure you allow for when the month ends over a weekend or a bank holiday, because we may not receive your payment until the first working day after the weekend.

Our account details that you’ll need to give to your bank are below. Please make sure to carefully check the details when arranging the standing order with your bank and to provide your mortgage account number as a reference. If we receive your standing order payments without a reference, they may not reach your account and that could result in your account falling into arrears.

If your mortgage account number begins with a 4, 5 or 6 the account details to use are:

Account name: Topaz Finance Limited
Account number: 00038792
Sort code: 40-41-70
Reference: Your mortgage account number

If your mortgage account number begins with a 1 the account details to use are:

Account name: Topaz Finance Limited
Account number: 20038806
Sort code: 40-41-70
Reference: Your mortgage account number

If you’re sending us your monthly payment by cheque, please allow eight working days for postage and the payment to be applied to your account.

Send your cheque to us at Hessonite Mortgages, PO Box 140, Skipton, BD23 9GF. Please remember to write your mortgage account number on the back of the cheque.

If your cheque is returned to us by your bank unpaid, we may charge a £6.50 fee.

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