Contact us

Do you wish to make your monthly mortgage payment? We have an automated payment line which means no waiting around for an agent to become available. Please see here for more information on how to use the payment line, and to see if you are eligible for the service.

Before you call us with an enquiry, have you checked to see if our website contains the information you need? Links to our most popular sections can be found in the red panel to the right.


Need to contact us about your existing mortgage? Contact us on 0330 159 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 0330 159 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 0330 159 1928 to speak to your dedicated Relationship Manager or visit our Support for Portfolio Landlords section.

If you are having payment difficulties or are already in arrears and you have 2 or more buy to let mortgages then please contact our Commercial Buy to Let team on 0330 159 1928

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

Contact us on 00 44 330 159 9610   Monday - Friday: 8.30am - 6pm GMT   (call charges will vary – check with your provider).

Commercial or a total of 5 or more Buy to Let accounts with NRAM, Bradford & Bingley or Mortgage Express

Please call 0330 159 1928 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.

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

Please note that calls may be monitored or recorded. Normal call charges apply. Calls from mobiles and other providers will vary. Check with your provider.