Below is a list of organisations who offer a range of independent advice to help address any financial concerns.
The Money Advice Service
This organisation provides a raft of impartial information and tools to help you manage your money.
Contact Number: 0300 500 5000
The Money Charity – previously Credit Action
Its website offers a range of resources, tools and training.
Contact Number: 020 7062 8933
Citizens Advice Bureau
The Citizens Advice service helps people resolve their legal, money and other problems by providing free independent and confidential advice. There are over 400 Citizens Advice Bureau offices across England and Wales and more than 20 in Northern Ireland.
Look on the Citizens Advice website for details of your local bureau.
StepChange Debt Charity (previously CCCS)
The purpose of StepChange Debt Charity is to assist people in financial difficulty by providing credit counselling together with free, independent and impartial advice.
Contact Number: 0800 138 1111
This is a helpline providing free, confidential and independent advice on how to deal with debt issues.
Contact Number: 0808 808 4000
The following sites may also be useful:
Shelter can give confidential help to people with all kinds of housing problems.
Contact Number: 0808 800 4444
A government website providing a wide range of information on money, tax, employment, benefits and government mortgage rescue schemes.
Financial Conduct Authority
An independent body which regulates the financial services industry in the UK.
Consumer Helpline: 0800 111 6768
Financial Ombudsman Service
The official independent expert set up by parliament to settle individual complaints between consumers and businesses providing financial services.
0800 0 234 567 - Free for people telephoning from a “fixed line” (for example, a landline at home)
0300 123 9 123 - Free for mobile-phone users who pay a monthly charge for calls to numbers beginning 01 or 02
We have signed up to the CML’s Statement of Practice for Buy to Let Lending, which requires intermediaries to provide landlords with information about the risks associated with buy to let investments and their responsibilities towards their tenants.
The rules and regulations around buy to let investments are updated regularly and we recommend that you direct landlords to a specialist organisation such as the National Landlords Association that can help them understand the implications of this type of investment.
National Landlords Association
020 7840 8900
New Street Mortgage – Lender Base Rate Setting Policy
Your mortgage interest rate affects the amount you have to pay each month. If you have a fixed rate mortgage, your interest rate will not change for the duration of the fixed term. If you have a variable interest rate mortgage, or your fixed term has come to an end, your interest rate may change from time to time. You can find out what type of interest rate applies to your mortgage, and how long any fixed term will last, in your mortgage offer letter.
Our Lender Base Rate is set using the 90 Day London Interbank Offered Rate known as 90 Day LIBOR (this is the rate at which banks will lend money to each other) with reference to our operating and funding costs. You can check 90 Day LIBOR here:
You can find more information about how we calculate interest and when we can change our Lender Base Rate in your Mortgage Conditions.