We’ve identified some answers to frequently asked questions in the content below, however you may find other pages useful in being able to advise you, depending on your specific circumstances:

  • Making changes to my mortgage, including changing your name or the people on your mortgage, switching to a buy to let and your monthly payments
  • Managing my mortgage, including how to contact us and how to make a payment or an overpayment
  • Mortgage repayment worries: if you are experiencing difficulties or worried about meeting your mortgage repayments
  • Switching to a new deal explains what happens at the end of your mortgage term and how we will contact you to offer you a retention product

If you’re an existing borrower and would still like to speak to someone about your mortgage, you can enquire online or call our Mortgage Department on 01623 676340.

Existing Borrower Frequently Asked Questions

How do I contact you?

You can contact us by completing the enquiry form or calling our friendly Mortgage Customer Service team on 0161 676340.

Alternatively, you can email us at mortgages@mansfieldbs.co.uk or call us on 01623 676340.

How do I find out my payment amount?

Unfortunately, we are currently unable to provide access to view your mortgage payments online, however if you complete the simple enquiry form, we will respond to your request as soon as possible.

Or alternatively, call our friendly Mortgage Customer Service team on 01623 676340.

What are Early Repayment Charges (ERCs)?

We offer different types of mortgage products with different interest rates. With some of these there may be a charge if you repay all or part of your loan within a certain period of time, we call these early repayment charges.

When do you charge Early Repayment Charges (ERCs)?

We’ll apply an early repayment charge if, before the end of the early repayment charge period you:

  • repay all or part the loan
  • ask and we agree to transfer of your loan to a new mortgage product
  • make your payment before the date on the redemption statement

The charge will never be more than the maximum amount set out in your offer letter and Mortgage Illustration and will be based on:

  • whether you repay all or part of the loan
  • the amount you owe when you make the payment.

Your Mortgage Illustration, offer letter and mortgage statement give details of any early repayment charges that apply to you.

If you would like to know what your remaining overpayment allowance is for the year, please complete the simple enquiry form and we will respond to your request as soon as possible.

Or alternatively, call our friendly Mortgage Customer Service team on 01623 676340.

Why do I need to call you to get a password?

If we email documents to you, we will password protect them to keep your personal information safe. Because we use randomly generated passwords, you will need to call us on 01623 676340 to obtain the password after answering  some security questions to ensure they remain secure.

How do I reduce my payments?

Life happens and unforeseen events or the cost of living can sometimes impact our finances when we least expect it. If you are worried about making your mortgage payments, you should contact our friendly team of experts on 01623 676340 or use the FREEPHONE number 0800 092 8564. Our opening hours are 9am to 5pm.

Alternatively, you can email us at collections@mansfieldbs.co.uk who can discuss your circumstances and how we could help you.

Further information is available from our dedicated webpage ‘Worried you can’t make your payments?

When will I receive my annual statement?

We provide mortgage statements annually at our year end of 31 December. These are posted out in January each year. Duplicates are available subject to a fee of £5.00.

If you would like a duplicate statement, you can complete the enquiry form, we will be able to respond to your request as soon as possible.

Unfortunately, we do not provide interim statements. We can provide a manual breakdown of payments subject to a £10.00 fee.

If you would like an interim statement, you can complete the simple enquiry form, we will be able to respond to your request as soon as possible.

Or alternatively, call our friendly Mortgage Customer Service team on 01623 676340.

What happens when my current deal ends?

We will normally write to you 3- 4 months before your mortgage product is due to end with details of new products you are eligible for.

Alternatively, you can contact our Direct Sales team on 01623 676345 who will be able to discuss what products are available to you and the process to apply for them.

Or if you complete the enquiry form, we will respond to your request as soon as possible.

What are your bank details?

You can send funds to us through the bank system using the following details:

Bank:                           Barclays Bank, Mansfield
Bank Sort Code:     20-55-70
Account No:             10613185
Reference:                Your mortgage account number

The reference is your mortgage account number. Please note that if you do not include this reference, we will have to return your payment.

Can I transfer my mortgage to a different property?

If you would like to transfer your mortgage to a different property, please complete the simple enquiry form and we will respond to your request as soon as possible. Please ensure that you provide as much detail as possible.

Please note that although, we do not port mortgages to another property, we can waive the early repayment charges if you can apply to the Society for another mortgage when moving house. If a new mortgage for at least the same amount as the total mortgage balance outstanding is taken out simultaneously with us, then the Society in its discretion may waive any early repayment charge.

Or alternatively, call our friendly Mortgage Customer Service team on 01623 676340.

I've redeemed my mortgage, can I have the deeds to my property?

We do not generally hold title deeds for mortgages as the ownership of a property is registered at the Land Registry.

If your mortgage started after 2007 or your account number starts 204XXXXX we are unlikely to hold any title deeds. If you think we may have your title deeds and would like further information, complete the simple enquiry form and, we will respond to your request as soon as possible. Please ensure that you provide as much detail as possible.

Or alternatively, call our friendly Mortgage Customer Service team on 01623 676340.

Further details can be found at the Land Registry website using this link https://www.gov.uk/government/organisations/land-registry

How do I request a redemption figure?

You can request a redemption figure by using the enquiry form. Please include the date that you would like the redemption figure to and the reason for the request.

If you are a solicitor requesting a figure on behalf of a client, please provide the above information and full details for yourselves and your client.

Or alternatively, call our friendly Mortgage Customer Service team on 01623 676340.

What happens when my discount/fixed term ends?

We will normally write to you 3- 4 months before your mortgage product is due to end with details of new products you are eligible for.

Alternatively, you can contact our Direct Sales team on 01623 676345 who will be able to discuss what products are available to you and the process to apply for them.

Or if you complete the  simple enquiry form, we will be able to respond to your request as soon as possible.

What fees could be charged to my account?

There are a range of fees and charges that could be applied to the account. We list these in our tariff of charges leaflet.

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