Making your monthly payment in time

If you’re paying by a method other than Direct Debit, however you send your payment, it must reach us before the end of February.

The last day of February is a Saturday. Please check the deadlines for sending your payment below. If you don’t send your payment before the relevant deadline, it won’t be applied to your account until March. That means your account could fall into arrears and your credit file may be affected.

 

When you’ll need to pay

 

Online bank transfer

Payments by bank transfer are only applied to your account from Monday to Friday, and payments received after 3.45pm won’t be added to your account until the next working day. Bank transfer payments aren’t applied to your account at the weekend.

Please ensure that you complete your transfer before 1.45pm on Friday, February 27. This should allow sufficient time for your payment to reach us by 3.45pm. If we don’t receive the payment by 3:45pm, it won’t be applied to your account until Monday 2 March, and your account could fall into arrears.

 

Using Self-Serve

If you use Self-Serve to pay by debit card you’ll need to make your payment before 5pm on Saturday February 28, or it won’t be applied to your account until the following day, and your account could fall into arrears. Payments made after 9pm on weekdays or after 5pm on Saturday or Sunday will be applied to your account the following day. There are more details on how to use Self-Serve below.

 

Calling us 

If you call us to pay by debit card, you’ll be able to use our automated payment service to make a payment until 5pm on Saturday , February 28. However, if you need to speak to an agent to make your payment, you must call before 1pm, but our lines can be busy, so we recommend you call earlier.

You can find out more about all our payment methods here.

Using Self-Serve to pay

Self-Serve is our secure online service that gives you more control over your mortgage or loan, and is available 24 hours a day, 7 days a week. With Self-Serve, you can make your monthly payments and find key information about your account and carry out many tasks online, without having to call us.

Sign in now if you’ve already registered on Self-Serve. Register now to use Self-Serve for the first time, you’ll need to register and create your secure account.

Bank of England base rate reduction – 18 December 2025

 

On Thursday 18 December, the Bank of England base rate (Bank Rate) was reduced from 4.00% to 3.75%.

As a result, the interest rate on all our mortgages that track the Bank Rate will also reduce by 0.25% from 1 January 2026.

Our Standard Variable Rate (SVR) will also reduce by 0.25% to 8.50% from 1 January 2026.

If your interest rate is changing, we’ll write to you at least four working days before your rate changes to tell you your new rate and monthly payment amount.

You don’t need to do anything until you receive our letter.

Quickly estimate your new monthly payment

You can check the effect of a rate reduction now using our new rate change calculator.

You’ll need to know your current balance, repayment type, interest rate and remaining term. The calculator will show you how much your monthly payment is likely to change.

Use calculator

See your new rate and monthly payment in Self-Serve

If your interest rate and monthly payment are due to change at the start of the next month, you’ll find details of your new rate, payment amount and the date when this will apply.

This will be available to view after we have processed the rate change on your account. We’ll do this as soon as possible, although it can sometimes take several days.

If you call us, we won’t be able to confirm your new rate and payment until it’s also showing in Self-Serve. So, if it’s not there, please check back later.

Sign in now – if you’ve already registered on Self-Serve, you can sign in to your account at any time.

Register now – to use Self-Serve for the first time, you’ll need to register and create your secure account.

Not all customers can register for Self-Serve. You can see more details on our using Self-Serve page.

Our festive opening times

If you need to call us over the festive holiday period, please see our opening times below.

If you need to contact us to make a payment this month, we must receive your payment before the end of December. Please read the information below about the deadlines for sending your payment to us. If we don’t receive your monthly payment by the end of December, your account may fall into arrears, which could harm your credit file.

You’ll find details of the ways to get in touch and our usual opening hours on our contact us page.

For all general enquiries:

Call us on 0371 472 2026.

  • Fri 19 Dec: open from 8.30am to 5.30pm
  • Sat 20 Dec to Sun 21 Dec: closed
  • Mon 22 Dec: open from 8.30am to 5.30pm
  • Tues 23 Dec: open from 8.30am to 5.30pm
  • Wed 24 Dec: open from 8.30am to 4pm
  • Thurs 25 Dec to Sun 28 Dec: closed
  • Mon 29 Dec: open from 8.30am to 5.30pm
  • Tues 30 Dec: open from 8.30am to 5.30pm
  • Wed 31 Dec: open from 8.30am to 5.30pm
  • Thurs 01 Jan: closed
  • Fri 02 Jan: open from 8.30am to 5.30pm


If you’re having payment difficulties:

Call us on 0371 472 2026.

  • Fri 19 Dec: open from 8am to 8pm
  • Sat 20 Dec: open from 9pm to 1pm
  • Sun 21 Dec: closed
  • Mon 22 Dec: open from 8am to 8pm
  • Tues 23 Dec: open from 8am to 8pm
  • Wed 24 Dec: open from 8am to 4pm
  • Thurs 25 Dec to Sun 28 Dec: closed
  • Mon 29 Dec: open from 8am to 8pm
  • Tues 30 Dec: open from 8am to 8pm
  • Wed 31 Dec: open from 8am to 6pm
  • Thurs 01 Jan: closed
  • Fri 02 Jan: open from 8am to 8pm

 

If you’re worried about making your monthly payments, please call us and we’ll try to help. Simply talking to us won’t affect your credit file – and the sooner you get in touch the better, as there are often more ways we can help.

Solicitors and conveyancers – please see our dedicated page for more information about the best way to get in touch, depending on the nature of your query or request.


Making your payments

If you don’t pay by Direct Debit, please check the payment deadlines below. If you don’t send your payment by the times indicated below, your account could fall into arrears, and that may harm your credit file.

  • Online bank transfer Please ensure that you complete your transfer before 1.45pm on Wednesday, December 31. This should allow sufficient time for the payment to reach us by 3.45pm. If we don’t receive the payment by 3:45pm, it won’t be applied to your account until the next working day, and your account could fall into arrears.
  • Using Self-Serve If you use Self-Serve to pay by debit card, you’ll need to make your payment before 9pm on Wednesday December 31, or it won’t be applied to your account until the following day, and your account could fall into arrears. Payments made after 9pm on weekdays (including bank holidays) or after 5pm on Saturday or Sunday are applied to your account the following day.
  • Call us If you call us to pay by debit card you will be able to use our automated payment service to make a payment until 9pm on Wednesday, December 31. However, if you need to speak to an agent to make your payment, you must call us earlier – please check our festive opening hours above.
  • Cheque 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. Please make your cheque payable to Heliodor Mortgages and write your mortgage account number on the back of it.

See more information about all the ways you can make a payment. 

 

Planned system maintenance

 

We’ll be closed because of essential maintenance on Saturday 11 and Sunday 12 October.

All our phone lines (including our automated payment service) will be closed, and our online Self-Serve system will also be unavailable.

If you would usually sign in to Self-Serve or call us to make your monthly payment on these dates, please arrange to do so either before or after the weekend closure. We’re sorry for any inconvenience this may cause.

Remember, 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.

Here’s a reminder of all the ways you can make a payment.

Planned system maintenance

 

We’ll be closed because of essential maintenance on Saturday 11 and Sunday 12 October.

All our phone lines (including our automated payment service) will be closed, and our online Self-Serve system will also be unavailable.

If you would usually sign in to Self-Serve or call us to make your monthly payment on these dates, please arrange to do so either before or after the weekend closure. We’re sorry for any inconvenience this may cause.

Remember, 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.

Here’s a reminder of all the ways you can make a payment.

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