QUESTIONS ABOUT ENGAGE CREDIT
Why has Engage Credit acquired my mortgage / Why was my mortgage sold?
Engage Credit regularly acquires mortgage loans from other lenders.

Banks and other financial institutions often sell mortgages to one another. It allows them to manage their funding and risk effectively. Rather than wait for many individual borrowers to repay their mortgages over an extended period, the selling bank can get back the money it has lent quickly so that it can be used in other areas of its business, and can transfer risk away to another party in bulk.

Engage Credit remains committed to ensuring that your experience as a mortgage borrower is satisfactory and that the customer service you receive from Engage Credit is at least as good as that provided by your original lender. You should experience no disadvantage as a result of the transfer.
Now Engage Credit has acquired my mortgage, have my rights changed in any way?
No, your rights under your mortgage contract are unaffected by the transfer of your mortgage to Engage Credit and your existing terms and conditions will continue to be applied.
How do I contact Engage Credit?
If you would like to contact us, our Customer Services Number is: 0333 014 2046. Our Customer Service team is available to speak with you from 9am to 6pm, Monday to Friday. Calls are charged at your service provider's prevailing rate and may be monitored and recorded.

Our postal address is:

Engage Credit
Harman House
1 George Street
Uxbridge
London UB8 1QQ

Alternatively, please submit an online query.




QUESTIONS ABOUT YOUR MORTGAGE
How can I make a payment?
Please click here for payment options
How can I get a redemption statement?
Please go to the Manage My Account section
What do I do if I can’t afford my mortgage?
Please contact Engage Credit's Credit Management team on 0333 014 2046 between 9am and 6pm, Monday to Friday. Further information on what to do if you are facing payment difficulties is available in the Trouble Making Payments section.
Who else can I talk to about financial difficulties?
Please click here to see a list of independent providers of free assistance and advice.
I’ve received a letter about court action, is it too late?
If you have not already contacted us to discuss your situation, please do so by calling 0333 014 2046. If we have not heard from you there may be other options available to you to avoid repossession. We strongly suggest you read the information available on this site to understand your options and where you can obtain further assistance.
Why does Engage Credit want to know about my buildings insurance?
It is a condition of your mortgage that you maintain buildings insurance at all times. If you do not maintain buildings insurance, you are in breach of your mortgage conditions and Engage Credit is at a greater risk of suffering a loss. We therefore make periodic checks that all of our borrowers carry valid insurance to manage our risk. If we cannot obtain confirmation that suitable cover is in place, Engage Credit will manage the risk by taking out a “Lender’s Interest Only” policy at your expense. Please note, this covers Engage Credit's risk only; it does not insure you. If you provide us with a copy of a valid insurance policy in your name we will be happy to refund the premiums we charge you for this insurance for the period in question. Further information on insurance is provided in the Useful Documents section.
Can I rent out my property?
If you have a residential mortgage but would like to rent out your property, please contact us to find out what information we need before we would consider giving our consent. Engage Credit will consider all requests but reserves the right to decline permission in order to protect its security interest and manage its risk. If you rent out your property without Engage Credit's permission you will be breaching your mortgage conditions and Engage Credit reserves the right to take further action as necessary.
How do I view/amend my credit report?
Credit reports are provided by credit reference companies such as Experian, Equifax and CallCredit. If you want to review your credit report, please contact one of these firms directly. If you believe your credit report is incorrect you must approach the supplier of your credit report directly and they will advise you how to proceed. Please note that Engage Credit has no power to amend credit reports. Any query you have regarding a credit report must be addressed to the provider of the report.