Coronavirus update

If you are concerned about making your mortgage repayments as a result of the current situation, we’re here to support you. Please ring us on 0345 602 0750 or email us at customercorrespondence@amber.co.uk. We’ll be in touch as soon as we can to discuss your individual circumstances, which will include the option of a payment holiday. Please note we will get back to you as soon as possible but are currently experiencing high call volumes.

In the meantime, leave your Direct Debit in place if you have sufficient funds to cover your regular monthly payment. You can also make a payment by bank transfer or online.

If you have already taken a 3 month payment holiday and are still experiencing financial difficulty, please do not contact us to discuss the options available until the month your payment holiday is due to expire.

You have up to and including 31 October 2020 to request a payment holiday as this is when the current Government scheme ends. After this date, other options may be available and you should contact our Credit Management Team to discuss these.

Please note: Whilst we are working on the basis of industry and government guidance to ensure that the payment holiday will not adversely impact your credit file, we cannot guarantee how other lenders will interpret the payment holiday when assessing any future lending decisions. Lenders may take into account other information when making future lending decisions, including, for example, information provided by you as an applicant and bank account information. If your account is currently up to date, then your credit file will continue to reflect this status. If you are currently in arrears, then your credit file will continue to reflect the same arrears status during the payment holiday as immediately prior to it. We will continue to send monthly arrears letters, as your previously missed payments are still outstanding.

If you require support with debt or arrears, The Money and Pensions Service have an online tool to help people navigate their finances in the wake of Covid-19 to provide guidance which is personalised according to people’s needs. The tool can be accessed using the following link: moneyadviceservice.org.uk/moneynavigatortool/Creditor