If you fail to keep up with your mortgage payments, there are a range of common charges you will be expected to pay.

You are sent a Tariff of Charges with your annual statement. You will also be notified of any costs incurred for the management of your account. This includes any administration charges for non-payment or litigation.

If your home is repossesed, we will do all we can to obtain the best possible sale price for your property to clear your mortgage.

If there are insufficient funds to repay your mortgage balance you will still owe us whatever is remaining. This will be referred to as a shortfall debt.

An unpaid shortfall debt could stop you from getting credit in the future.

Credit rating agencies are independent companies, who collect personal data and financial history. This information is ued to prevent fraud and decide whether to lend money or provide credit. We like other lenders provide the agencies with information about how mortgages are managed. Other lenders will use this information for credit assessments.

If your account falls into arrears this information will be recorded with the credit rating agencies. This may mean that you will find it difficult to obtain credit or borrow money in the future..

Visit our Online Service page and select 'Register'. You will then need to enter your surname, date of birth, postcode, and mortgage account number. Follow the steps to create your username, password and memorable word. We will then send a one time passcode to your mobile to confirm your identity.

Following this registration, you will be able to view details of your mortgage via the Online Service. Please note that this is read only and mortgage payments cannot be made online. You can amend some personal details online but not your name or address.

Please note the following:

• You will only be able to register if we already have your mobile number registered to your account. If we don’t have your mobile number and you would like to register, please contact our Customer Services Team.

• You can only register if you have a UK address and UK phone number
• If you hold a Power of Attorney or are a Deputy for someone under the Court of Protection, you will be able to view the accounts you are registered to
• The Online Service is only compatible with certain browsers

1. If you are a savings customer, you can update your details via the Online Service. If you haven't already registered, click here to find out how. To change your contact details, click 'Services' on the top navigation bar and then select 'Personal details'.  From here, you will be able to amend your details. You won't be able to change your name or date of birth online                                 

2. Print a Change of Address form found here, complete and email to our Mortgage Servicing Team at [email protected] or send via post. Each borrower will need to complete a seperate form.                           

3. If you are a mortgage customer, please call our Mortgage Servicing Team on 01384 231414 or find our full contact details here

4. Visit your local branch

When making an online payment from another bank or building society you might encounter a warning message that suggests you are unable to validate Dudley Building Society account details.

There is no need to worry about this error message providing you have ensured that the account details entered are correct, and that your correct roll number/account number is included within the reference. If these details are correct, the payment will make it to us regardless of the warning.

There are several way you can find out what your current interest rate is:

1. You can find your mortgage or savings interest rate via the Online Service. If you haven't already registered, click here - Please note that you will only be able to register if you have a UK address and UK phone number. 
2. Call our Customer Services Team on 01384 231414
3. Visit your local branch

If you want to see interest rates for savings products that are no longer available, please see our Closed Interest Rates table.

You can register the death by calling our Customer Services Team on 01384 231414, visit or call your local branch or email [email protected] 

If you have access to a printer, you can print a death registration form, found here, and return to us with the original death certificate or a certified copy. 

Please visit our Bereavement Support page for all information about registering a death. Please note, if you require us to register the deceased account(s), we will need to see the death certifcate to accommodate your requests.

Redemption fees or charges will depend on what type of mortgage product you have.

Most products do have an Early Repayment Charge during the initial incentive period (e.g. fixed or discounted rate). A smaller number have additional Early Repayment Charges after the incentive period.

We also charge administration fees.

Details and all our current charges can be found in our tariff of charges. A copy of this is sent to you each year with your annual statement.
 

For information on whether you are able to borrow more money on your mortgage with us, please contact Concept Financial Services by using our Enquiry Form.

We issue mortgage transaction statements annually, normally in April, however you can view your transactions via our Online Service by registering here.

If you do not have a UK address, you will not be bale to register for our Online Service, so please call our Mortgage Servicing Team on 01384 231414. 

You can check this on our Online Service. If you haven't registered for this yet, please click here.

To ensure that we can respond to your individual requirements, please contact our Customer Services Team to discuss this in more detail.

Please complete the online form or contact us and we can send you a form.  

In order to close your mortgage account, you will first need a redemption statement. Please contact us to request one.

If you need to make a complaint, please view our Complaints and Disputes Procedure or contact us.

You may be able to afford to make additional payments on top of your existing monthly payments. This will help reduce the amount you owe, as well as reduce the amount of interest you repay over the mortgage term.

These can be made through regular overpayments or lump sump payments (note: overpayment limits or early repayment charges may apply, please refer to your most recent illustration for details).

You can send your payment by bank transfer. Our Bank Details are:
Sort Code : 60.83.18 
A/C No : 10001008
Account Number : Your Mortgage Account Number

You can also contact us to pay by debit card.

The best way is to set up a direct debit. You can return a completed direct debit form, found here, to us or call our Mortgage Servicing Team on 01384 241414. 

If you are not able to do this then you can send your payment by standing order or bank transfer.

Our Bank Details are:
Sort Code : 60-83-18 
A/C No : 10001008
Account Number : Your Mortgage Account Number (this starts with '1' and is nine digits long)

You can also contact us to pay by debit card.  

You can either call us on 01385 231414 or send us a secure message through the Online Service.  

Switching your mortgage with us is easy and you do not have to complete a new mortgage application. It will also mean there are no application, valuation or legal fees  

Whether your mortgage product is coming to an end or has already ended, we’re here to help make the switching process as simple as possible. Please send us a secure message using the Online Service or contact us here.

We understand that sometimes you may have concerns or difficulties over your ability to pay your mortgage. If you are having difficulties, it's important you contact us early, so we can discuss your individual circumstances and enables us to work with you to resolve your payment difficulties  as soon as possible. 

If we cannot agree a way forward, we will begin legal proceedings to recover the arrears, which will incur additional cost. It may mean a court hearing will take place but not necessarily that your home will be repossessed.

Repossession is our last resort. You should remain in contact with us at all times.

To find out more about the support we can offer, click here. 

We understand that plans change. If your Interest Only repayment plans have altered or are no longer viable, it is important that you act straight away and either seek independent financial advice or contact us now.

Any additional payments to a mortgage account that has been redeemed will be refunded.

If the overpayment was in the form of a direct debit payment, this will be refunded back to your bank account. For any other refunds, please contact us and we will discuss the best way to process your refund.

The Society followed the Land registry approach to dematerialise paper-based documents which basically moved deeds from being paper based, to electronic. This means there is no longer a requirement for the Society to retain paper deeds to secure the mortgage, as all the legal information is available electronically at http://www.landregistryuk.online 

The easiest way to check your mortgage balance is via our Online Service. If you have not registered for this yet, please click here. 

Please note that you will only be able to register if you have a UK address and UK phone number. 

The easiest way to check your mortgage term is via our Online Service. If you haven't registered for this yet, please click here.

Please note that you will only be able to register if you have a UK address and UK phone number. 

We send out mortgage statements annually, normally in April. This will cover transactions from April to March of the previous year.