Monthly mortgage payments

If you have any concerns about being able to make your monthly mortgage payment, it is important to let us know as soon as possible. The earlier we know about an issue, the more we can do to help.

We will be able to offer you support tailored to your individual circumstances. Before agreeing to any support, we will need to collect information on your circumstances. We want to ensure you have the relevant information so that you can make an informed decision.

In order for us to help you as quickly as possible, it may be useful for you to download and complete our budget planner form, which should be sent to our Principal Office. Please remember to complete this form openly and honestly. 

We also recommend that you take a look at Money Helper's guidance around mortgage arrears or problems paying your mortgage linked below.

Money Helper guidance

If you or anyone you know are experiencing financial difficulties, there are links in the section below, which can offer additional support. You can also use this helpful guide from the Building Societies Association.

Contact Us
Managing your mortgage

We are here to help support you throughout the lifetime of your mortgage with us.  Here are some useful links:

  • Register for our new Online Service here
  • Bereavement Support
  • If you are having financial difficulties, services such as Money Helper (formerly the Money Advice Service) or Citizens Advice Bureau can help. Scroll down for useful links below or go to to search for additional support
  • Thinking of letting your property? See our Permission to Let Guide
  • Important Documents can be found on our Existing Mortgage Customers page.
Support for mortgage interest

On 5 April 2018, Support for Mortgage Interest changed from being paid as benefit, to being paid as a loan for those that wished to continue receiving the support. The Department for Work and Pensions (DWP) should have or will contact members that are affected through SERCO (the company working on behalf of DWP) to explain this further.

For more information on how this may affect you, please contact the Pension Service, Job Centre Plus or the Universal Credit Helpline. Details of how to contact them are provided below. You can find more information at

Useful Contact Numbers:*

  • SERCO: 0800 046 0333
  • Pension Service: 0800 731 7898
  • Job Centre: 0800 169 0310
  • Universal Credit: 0800 328 9344

*The above organisations are independent of Dudley Building Society and call charges may apply.

Worried about your home being repossessed?

Your mortgage is a priority debt, meaning you must pay your mortgage before any other debts, such as bank loans, credit cards or overdrafts.

However, if you have been unable to keep up repayments on your mortgage and you are concerned that your home may be at risk of repossession or you have been given notice of possession proceedings, you should seek additional help immediately.

The National Homelessness Advice Service provides free, expert advice. They have factsheets and advice guides that have been written by their team of legal experts, which offer information on a variety of topics. Follow the link below to find out more.

NHAS Factsheets & Advice Guides

In addition, they provide information on other organisations that might be able to help you.

NHAS: other organisations that can help

Looking for further support?

Please see links to additional guidance below.

Coronavirus Support

How do I tell you I have changed my address?

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

Society account details aren’t validating when I make a payment from an external account?

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.

What is the interest rate on my account?

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
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.


How do I inform you of a bereavement?

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

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.

Are there any fees or charges to redeem my account?

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.

Can I borrow more money?

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.

Can I get a mid-year statement of my transactions?

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

Have you received my recent payment?

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

How do I change my repayment method or extend the term of my mortgage?

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

How do I change the address that post is sent to for my mortgage account?

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

How do I close my mortgage account?

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

How do I make an overpayment to my mortgage account?

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.

How do I pay this month's mortgage payment?

The best way is to set up a direct debit.

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.  

How do I switch my mortgage product?

To ensure we can best support your individual requirements, please contact us to see if you are eligible to switch your product and what products are available.

How do I view my mortgage online?

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
I am looking for a new mortgage deal, what should I do?

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.

I can’t afford to pay my mortgage. What should I do?

We understand that sometimes you may have concerns or difficulties over your ability to pay your mortgage. It's important you contact us, so we can discuss your individual circumstances and see how we can help you.

I have an Interest Only account and my repayment plan is not on track.

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.

What happens if I fall behind with my mortgage payments?

If you are having difficulty making your mortgage payments, we are here to help and support you. Early contact is essential and enables us to work with you to resolve your payment difficulties  as soon as possible, so please contact us.

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.

What happens if I have made a mortgage payment after my mortgage redeems?

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.

What happens to the Title Deeds to my house after redemption?

Once your mortgage is redeemed, if we hold any Title Deeds, they will be returned to you.

What is my current mortgage balance?

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

What term do I have left on my mortgage?

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

When do I receive my annual mortgage statement?

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