We accept payment using any of the below methods:

• Payment via your debit card, click here for existing mortgage borrowers and click here for bridging application fees
• Over the phone – please call 020 3910 8700
• Bank transfer – quoting the reference number and bank details given to you in all correspondence
• By cheques addressed to Spring Finance Limited and sent to:

Spring Finance Limited, 3 Theobald Court, Theobald Street, Borehamwood WD6 4RN

Payments are credited to your account on the day that they are received. This includes weekends and bank holidays.

Yes. Provided that your new payment date is in the same month, you can request to change your payment date. This is especially useful if your salary date has changed. Please email us here.

We are required to send you statements at certain intervals throughout the life of your mortgage depending on individual circumstances.

Annual Statement This is issued to you on the 12 months anniversary of your loan with us. The statement includes all payments due and made as well as any charges and third party costs that have been applied to your account during the 12 month period of the statement. It also includes the interest charged during the period as well as a running balance so that you can see how much capital you have repaid during the period of the statement.

Notice of Arrears We are required to send you a Notice of Arrears when you have accumulated payment shortfalls equal or more than two months’ payments. The notice includes details of your arrears, other account information including the charges you may incur and an information sheet that provides details of your rights and where you can get help.

We will send you arrears statements on a monthly/quarterly basis should your account remain in arrears.

If you require any further information regarding the information we provide to you, please do not hesitate to contact us on 020 3910 8700.

We understand that circumstances can change from the time you originally applied for your loan and you may fall into financial difficulties. Please click here for information on how we may be able to help you.

Christian Against Poverty (CAP)
www.capuk.org
For FREE debt advice in your home, check postcode coverage at www.capuk.org then call 0800 328 0006.

Citizens Advice England
www.citizensadvice.org.uk
Relay UK – if you can’t hear or speak on the phone, you can type what you want to say: 18001 then 0800 144 8884. For advice and information on debt and other topics, visit your local Citizens Advice.

Civil Legal Advice
www.gov.uk/civil-legal-advice
You may get legal aid if your home is at risk. 0345 345 4345. (Open Monday to Friday 9am to 8pm and Saturday 9am to 12:30pm).

Financial Ombudsman Service
www.financial-ombudsman.org.uk
If you have a complaint that you can’t resolve with your lender, the Financial Ombudsman’s FREE Service may be able to help – Phone 0800 023 4567

Government Website
www.gov.uk
Government website providing information on a range of subjects including benefit entitlement, housing, local services, money, tax and pensions.

Jobcentre Plus
www.gov.uk/contact-jobcentre-plus
For information and advice, or to make a claim for benefits if you are under state pension age. If you want to contact your nearest office, you can find their details using the local office search.

Money Advice Scotland
www.moneyadvicescotland.org.uk
Speak to someone confidentially, by accessing their webchat. They also have a range of resources for people going through the debt advice process including debt terms explained, help accessing your income and expenditure report, and benefits calculator.

MoneyHelper
www.moneyhelper.org.uk/en
For FREE, unbiased and easy-to-access money tools, information and advice, including how to access independent free debt advice services. Calls are also FREE 0800 138 7777 or 0800 138 0555 (Welsh)

National Debtline
www.nationaldebtline.org
Provides a free, confidential and independent telephone advice service. 0808 808 4000

Payplan
www.payplan.com
FREE debt management plans and confidential advice on debt problems. Webchat also available. Payplan’s Help Line is open Monday to Friday 8am to 8pm and Saturday 9am to 3pm. 0800 280 2816

Pension Service
www.gov.uk/contact-pension-service
Relay UK – if you can’t hear or speak on the phone, you can type what you want to say: 18001 then 0800 731 0469 For information and advice, or to make a claim for benefits if you are over state pension age. The Pension Service Advice Line is open Monday to Friday 9:30am to 3:30pm 

Shelter
www.shelter.org.uk
The housing and homelessness charity. Provides advice about dealing with mortgage arrears. Shelter’s Helpline is open weekdays 8am to 8pm and weekends 9am to 5pm. 0808 800 4444

Step Change Debt Charity
www.stepchange.org
Offers a structured programme of advice on how to manage your money.Step Change’s Debt Advice Line is open Monday to Friday 8am to 8pm and Saturday 8am to 4pm. 0800 138 1111