Contact us

Please note: Our contact centre receives a high volume of calls on both the first and last few days of the month. This is mainly due to customers wishing to make their monthly mortgage payment over the phone. We apologise for any inconvenience this may cause, if you have a query that you feel is not urgent we advise you to call at an alternative time.

If you'd like to make your mortgage payment quickly and at a time convenient for you, then please use our automated payment line - you can still pay over the phone but there's no waiting around for an agent. Please click here for more information on the payment line.


Need to contact us about your existing mortgage? Contact us on 0845 609 9610* If you have a general mortgage query please be aware that we are usually busiest at the end of the month and call waiting times may be increased.

Lines open
Monday - Friday: 8.30am - 6.00pm

If you are having difficulties that may affect your mortgage contact us on 0845 604 4850*

Lines open
Monday - Friday: 8.00am - 8.00pm

Saturday: 9.00am - 1.00pm

If you have a Commercial mortgage or a total of 5 or more Buy to Let accounts with Bradford & Bingley or Mortgage Express please call 0844 892 2292 to speak to your dedicated Relationship Manager or visit our Support for Portfolio Landlords section.

Existing unsecured loan customers

If you have an existing unsecured loan please click here to find out who to contact for your specific loan.

If you have an enquiry relating to the media coverage in December 2014 regarding unsecured loans over £25,000, please note that we are reviewing the judgment and considering next steps. We have no further information to share with you at this stage so there is no need to call us. The loans section of our website will be updated when more information is available.


Calling from outside the UK

If you are calling from outside the UK you can contact us on 00 44 1274 555 555*

Lines open
Monday - Friday: 8:30am - 6:00pm GMT

Commercial or more than 5 Buy to Let mortgages across NRAM, B&B or MX.

Please call 0844 892 2292 to speak to your dedicated Relationship Manager or visit our Support for Portfolio section.

How to make a complaint

We are committed to providing a service of the very highest standards; however we recognise that sometimes things can go wrong, and when they do, we want you to tell us so we can put them right as soon as possible.

You can find out more about our Internal Complaints Procedure or view our complaint volumes on our Internal Complaints page.

Alternatively you can contact us by email at:

NRAM take the confidentiality of your request very seriously. However the security of customers' browsers cannot be guaranteed. For this reason please do not include any account information or personal information in your e-mail to us. Please supply your telephone number to allow us to deal with your enquiry. We will not supply responses by e-mail containing personal information.

How to make a Subject Access Request
NRAM correspondence address

If you would like to contact us by post, please write to the department you are corresponding with (e.g. mortgages) at:

NRAM Mortgage Operations
PO Box 625

Or if you would like to contact the NRAM Commercial team, write to us at:

NRAM Commercial Lending
North of England House
1 Grayling House
Doxford International Business Park