Contact NRAM on their customer service phone number 0330 159 9610 for general enquiries on mortgages, loans and to make a complaint about changes to your repayments.
Customer services – 0330 159 9610
Phone NRAM customer services by dialling their UK contact number 0330 159 9610 for all general enquiries about your mortgage including managing your repayments, restructuring your debt and informing the broker that you are planning on moving to a different property. Likewise you should call this helpline if you are planning on letting out your property to rent and if you are planning on taking a payment holiday.
Lines are open from 8:30am-6pm Monday-Friday hence they are closed during weekends and bank holidays. Moreover the helpline is typically busiest at the end of the calendar month, thus you should expect increased waiting times during these periods. Calls are free of charge if you have inclusive minutes as part of your landline or mobile tariff, otherwise you can expect to pay a per-minute rate along with a per-call access charge as stipulated by your network operator.
New mortgage customers – 0330 159 7152
NRAM do not accept new mortgage applications therefore new customers should contact their sister company, Landmark Mortgages, by calling their general enquiries phone number 0330 159 7152, where you can ask about their interest rates and deals for first-time buyers. Likewise existing homeowners can call this number to enquire about releasing equity from their property, for instance by remortgaging.
Loans – 0333 123 9999
Contact a financial advisor about your NRAM loan by calling the helpline number 0333 123 9999 to pay off your loan early, to borrow additional funds and to confirm changes to your interest rates. Please note that NRAM itself is not responsible for managing your loan following the nationalisation of Northern Rock and the subsequent sales of assets by the UK government, instead you will be directed to the above team at Marlin Financial Services. Alternatively if your loan is now managed by OneSavings Bank (known as Kent Reliance) please consult the table below to find the correct number for you to call.
Contact numbers for NRAM loans
| Department | Phone number |
|---|---|
| Customer service for loans managed by Marlin Finance Group | 0333 123 9999 |
| Marlin Finance loans overseen by a debt management company (DMC) | 0333 123 0250 |
| Customer service for loans managed by OneSavings Bank (Kent Reliance) | 0333 003 7220 |
| Loan repayments (Kent Reliance) | 0333 003 7220 |
Financial difficulties helpline – 0330 159 4850
Contact NRAM by dialling their telephone number 0330 159 4850 for confidential support from a trained advisor if you are suffering financial difficulties which are affecting your ability to make repayments towards your mortgage. They will then provide advice on how you can restructure your debt or take an authorised payment holiday to allow you to accrue the sufficient funds to continue making repayments.
Commercial mortgages – 0330 159 1928
Contact NRAM on their commercial customer phone number 0330 159 1928 for enquiries related to mortgages on your buy to let portfolio, including managing your repayments and notifying the lender that you intend to sell your property. Likewise if you are purchasing more property you can call this helpline to apply for a change in your interest rates, however this is at their discretion.
Complaints – 0800 001 5262
Phone NRAM to make a formal complaint by calling their freephone contact number 0800 001 5262 for free where you can complain about changes to their interest rates, poor customer services and mis-sold payment protection insurance (PPI). Alternatively if you would prefer to send a letter of complaint you should address it directly to their Durham head office:
NRAM,
PO Box 625,
Durham,
DH1 9JJ,
United Kingdom.
NRAM contact numbers
| Department | Phone number |
|---|---|
| Customer services | |
| New mortgage customers | |
| Customer service for loans managed by Marlin Finance Group | 0333 123 9999 |
| Marlin Finance loans overseen by a debt management company (DMC) | 0333 123 0250 |
| Customer service for loans managed by OneSavings Bank (Kent Reliance) | 0333 003 7220 |
| Loan repayments (Kent Reliance) | 0333 003 7220 |
| Financial difficulties helpline | 0330 159 4850 |
| Commercial mortgages | 0330 159 1928 |
| Complaints | 0800 001 5262 |
Alternative ways to contact NRAM
If you would prefer to contact NRAM in writing you can do so by either posting letters to their UK offices or by sending correspondence to their email address. However you should note these are likely to be slower than calling their telephone helplines hence these should not be used during a financial emergency.
Postal addresses
Write to NRAM customer services by posting your letters to either their personal mortgages office or by sending correspondence to their commercial property management team in Sunderland, both addresses are provided below for your convenience:
- Postal address for personal NRAM customers
- NRAM Mortgage Operations, PO Box 625, Durham, DH1 9JJ, United Kingdom.
- Commercial NRAM customers
- NRAM Commercial Lending, North of England House, 1 Grayling House, Doxford International Business Park, Sunderland, SR3 3BF, United Kingdom.
Email NRAM
You can email NRAM customer services by visiting their website and completing the help form located on the right-hand side of the webpage.