At Swift, we are all too aware of how confusing mortgages and loans can be. Whether you have just taken out a new loan with us or have been with us for many years we understand you may still need help and guidance depending on your circumstances.

This is where we aim to help by producing leaflets that are clear and informative, or by pointing you towards other organisations that can help you. These can be found below. Also, from time to time, the Financial Conduct Authority (FCA) will issue guidelines to help the consumer, details of which are set out below.

Frequently Asked Questions

- Your Credit Report, Click Here

- Methods of payment, Click here

Direct debit application forms

- Swift 1st, Click here
- Swift Advances, Click here

- Repossession in England and Wales, Click Here
- Repossession in Northern Ireland, Click here
- Repossession in Scotland, Click here

FCA Information sheets

The FCA provide the following information sheets to provide some guidance to borrowers requiring financial assistance (click here and here)

Other Useful Contacts:

Citizens Advice Bureaux (CAB)

Citizens Advice Scotland (CAS)

Northern Ireland Association of Citizens Advice Bureau

Look in the phone book or on the CAB website for the telephone number of your local bureau.

National Debtline
Provides a free, confidential and independent telephone advice service.
Tel: 0808 808 4000 (freephone)

Money Advice Scotland
All members provide free, independent impartial and confidential debt advice.
Tel: 0141 572 0237

StepChange Debt Charity
Offers a structured programme of advice on how to manage your money.
Tel: 0800 138 1111 (freephone)

Credit Action
Works in partnership with CCCS and publishes fact sheets about debt and budgeting.
Tel: 0207 380 3390

Northern Ireland Housing Rights Service
Advice and information on housing issues in Northern Ireland
Tel: 028 9024 5640

Advice UK
All members provide free and confidential advice

The Money Advice Service
Provides information and tools to help you manage your money better.
Tel: 0300 500 5000

Contacts for Benefit Details

Benefit Enquiry Line
Department of Work and Pensions helpline on disability benefits.
Tel: 0800 882 200

Turn 2 US
Helps you to carry out your own benefits calculation.
Tel: 0808 802 2000

Department for Work and Pensions
Child Benefit: 0845 302 1444
Tax Credit: 0845 300 3900

Some companies target borrowers who are experiencing payment difficulties in order to make money. Many of these companies charge high fees in return for a promise to "halve your debts" or something similar. In reality many of these companies provide little or no benefit to the customer and may charge you high fees as well. If you are experiencing payment difficulties please contact us to discuss your loan and the options that may be available to you. Alternatively you can contact one of the organisations above that specialises in providing free advice to consumers.

Please be wary of any business that:

  • Charges a fee for services such as communicating with Swift on your behalf
  • Guarantees to reduce your debt or help you to avoid liability for any shortfall
  • Instructs you not to contact Swift
  • Suggests that you make your mortgage payments to anyone other than Swift
  • Offers to fill out paperwork for you and asks you to sign documents that you do not understand
  • Asks you to surrender your property


There may be occasions, despite our best efforts, that we do not quite get it right. Should this happen we still want to help and rectify our mistake. Please click here for our complaints procedure.

Swift 1st Limited is authorised and regulated by the Financial Conduct Authority.
Swift 1st Limited administers its own regulated mortgage contracts and those of Swift Advances plc on its behalf.
Swift Advances plc and Swift 1st Limited are both registered in England under company numbers 1800474 and 5020019 respectively.