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Manage Your Mortgage

Making Your 
Monthly Payment

Helping you choose which method is best for you

For most customers, Direct Debit is the simplest and easiest way to make your monthly mortgage payments. However, there are other ways to pay, which could be suitable for you. The comparative guide below will help you choose the best method for your circumstances.

Whichever payment method you choose, it is important to make sure your payment details are accurate and that it reaches us by your due date each month. This is especially important when your due date falls at a weekend, or on a Bank Holiday. This is to avoid your account(s) falling into arrears, which may lead to fees and affect your credit file.

Ways to pay at a glance

Pay by Direct Debit

Direct Debit is the most popular way for customers to pay their regular household bills. Once set up, Direct Debit is hassle-free and you are automatically covered by the Direct Debit guarantee, giving you peace of mind that your payment will be made on time to the right account.

It’s easy to set up a Direct Debit and you can re-arrange or cancel it at any time – just call us to set up a new instruction or to change your payment or details. Direct Debit payments are free, if your account is up to date.

Alternatively, you can download, complete and return a Direct Debit instruction form here.

We will apply your payment on the due date. If a Direct Debit payment collection fails due to a lack of funds in your account, a £6.50 charge is incurred and we may try to take the Direct Debit payment again seven working days later. In the meantime, we do not recommend that you use any other payment method to make your payment/s as this may lead to a double payment being taken from your bank account. If you have more than one mortgage, this charge applies to each individual mortgage account.

Pay Online Using Our Self-Serve Facility

Our online portal allows you to make payments quickly, easily and securely. You can also view your account, check your current balance, confirm your monthly payment amount and request information from us, such as a redemption statement.

Find out more about our Self-Serve facility.

Please note - payments made after 9pm won’t be applied to your account until the following day.

Pay by Online Transfer

If you’re more comfortable using online banking, then please use the following details to make your payment.

Not sure if your account is a Rosolite-1 or Rosolite-2 account? Then please refer to your Welcome letter or call us.

Rosolite-1 Accounts

Sort Code
40-02-50
Account Number
71433865
Reference Number
Your mortgage account number

Rosolite-2 Accounts

Sort Code
40-02-50
Account Number
71433873
Reference Number
Your mortgage account number

Please note: Except for payments made on the last working day of the month (please see below), payments made before 11:45pm on a working day will be applied to your account the following working day. Payments made after 11:45pm on a working day, at the weekend or on a bank holiday will be applied to your account two working days later.

Payments (other than redemption payments, sale proceeds or borrower overpayments) made by 4pm on the last working day of the month will be applied to your account on the same day. This is especially important to note as a late payment may lead to arrears fees being charged and an adverse effect on your credit file. If you wish to make a payment into a specific element of your account such as a further loan account (which can sometimes be referred to as a further advance or sub account) then please contact us to find out the correct bank details, as these are different from the standard bank details above.

If you have more than one mortgage, a separate payment with the appropriate reference number needs to be made for each one.

Pay by Standing Order

A Standing Order can be set up by phoning or visiting your bank, or online if you use online banking.

It can only be set up and changed by you via your bank so that you remain in full control of your finances.

If you would like to make your mortgage payments via Standing Order, use the following details.

Not sure if your account is a Rosolite-1 or Rosolite-2 account? Then please refer to your Welcome letter or call us.

Rosolite-1 Accounts

Sort Code
40-02-50
Account Number
71433865
Reference Number
Your mortgage account number

Rosolite-2 Accounts

Sort Code
40-02-50
Account Number
71433873
Reference Number
Your mortgage account number

When instructing your bank, please allow the payment to be made four working days before your due date.

If you have more than one mortgage, a separate payment with the appropriate reference number needs to be made for each one.

Pay by Cheque

It is still possible to pay by cheque even though it is a little slower than most other methods. If you do want to make your mortgage payments in this way, please remember to allow additional time for your payment to clear once received.

Please allow five working days for your cheque to be received and be applied to your mortgage account. A £6.50 charge is payable if collection fails due to lack of funds. Cheques should be made payable to Rosolite Mortgages and posted to:

Rosolite Mortgages
PO Box 121
Skipton
BD23 9FL

Always include your Rosolite mortgage account number on the reverse.

Change your payment date

Please contact us if you want to change the date when you make your monthly mortgage payments.

Whilst this is possible, it is important you don't fall behind with your monthly payments by mistake.

The action you need to take depends on your normal payment method, so please call us to discuss so we can guide you through this process.


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