Making your monthly payments - Rosinca

Making your monthly payments

 

There are several easy and convenient ways to pay your mortgage every month, including Direct Debit, bank transfer, and debit card payments. You can find out more information here and see your options below.

Please note – we can only accept monthly payments from customers named on the mortgage account, unless you’ve set up a third party authority allowing someone else to make payments on your behalf.

Paying by Direct Debit

The simplest way to make your monthly mortgage payments is by Direct Debit. It’s free, easy to set up, and you don’t have to worry about forgetting to make a payment, because we ask your bank for your payment on or around the same date every month.

If your monthly mortgage payment changes, for example because of an interest rate change, we’ll make sure your Direct Debit is altered and give you at least four working days’ written notice of your new payment amount.

You’re in control because you’re free to ask your bank to cancel your Direct Debit at any time. You also have the reassurance of the Direct Debit Guarantee which means that, in the unlikely event of an error in the payment of your Direct Debit, you’re entitled to a full and immediate refund.

Other ways to pay

There are several other ways you can make your payment if you can’t pay by Direct Debit. Please read the information below carefully to make sure that, whichever payment method you use, your payment reaches us on time. This is particularly important when the last day of the month falls on a Saturday, Sunday, or on a bank holiday.

If we don’t receive your monthly payment by the end of the month in which it’s due, your account could fall into arrears, and that may have a negative impact on your credit file.

We can only accept payments from customers named on the mortgage account, unless you’ve set up a third-party authority allowing someone else to make payments on your behalf.

Self-Serve is our secure online system, which is available 24 hours a day, 7 days a week. You can use it to make payments, check your balance, interest rate or payment amount, request a statement, send us a secure message and more.

If you’ve registered for Self-Serve, you can use this to make a debit card payment quickly, easily, and securely.

Simply sign in, click Make a regular payment in the menu on the left of the Account Summary and then follow the on-screen prompts.

You’ll need your card at hand because we don’t store your debit card details. We don’t accept credit card payments.

Payments made after 9pm on weekdays or after 5pm on Saturday or Sunday will be applied to your account the
following day.

Sign In now – If you’ve already registered on Self-Serve, you can sign in to your account at any time, from any device.

Register now – to use Self-Serve for the first time, you’ll need to register and create your secure account.

For more details, please see our Self-Serve section.

You can call us and make a payment using your debit card between 7am and 9pm from Monday to Friday, and from 7am to 5pm on Saturday or Sunday.

You’ll need your account number and your correspondence postcode when you call. Please also have your debit card to hand because we don’t keep a record of your debit card details.

Most customers don’t need to wait to speak to an agent – it’s quick and easy to follow the prompts and make your payment using our automated system, and there’s no charge to make a payment in this way.

Under some circumstances we won’t be able to take your payment using the automated system. If that happens, we’ll redirect you to speak to an agent, but we’ll usually only be able to do that during our opening hours for general enquiries. If you’re paying at the end of the month, please take this into account, because your account could fall into arrears if we haven’t received your payment before the month ends.

Please note – if you have 2 or more mortgages with us and you make a payment by speaking to an agent, you may be charged a £2.50 fee to cover the additional administration costs we incur in manually processing your payment in this way.

See more info on fees & charges.

A bank transfer is a single payment that you instruct your bank to make. You choose when the money will leave your account and can usually request the transfer online, in branch or over the phone.

We’ll need to receive your bank transfer by no later than 4pm on the last working day of the month, because bank transfers received after 4pm on the last working day of the month won’t be applied to your account until the next working day. If we’re unable to process your payment by the last day of the month, we may treat your account as being in arrears.

Our bank details that you’ll need to use vary for different customers, based on your mortgage account number.

If your mortgage account number is anywhere between 130000000 and 130259999, the bank account details to use are:

Account name: Topaz Finance Limited
Account number: 61422456
Sort code: 40-02-50
Reference: Your mortgage account number

If your mortgage account number is anywhere between 130260000 and 138729999, the bank account details to use are:

Account name: Topaz Finance Limited
Account number: 71422421
Sort code: 40-02-50
Reference: Your mortgage account number

If you’re unsure of the correct bank details to use, you can check the information we sent to you in your welcome letter in February 2018, or call us and we’ll confirm these with you.

Please make sure to verify the details before sending your payment and include your account number as a reference. If we receive your payments without a reference, they may not reach your account and that could result in your account falling into arrears.

A standing order is a regular payment that you set up through your own bank, either online, over the phone or in branch.

Most banks won’t process standing orders over the weekend or on a bank holiday. If you want to pay by standing order towards the end of the month, you’ll need to make sure you allow for when the month ends over a weekend or a bank holiday, because we may not receive your payment until the first working day after the weekend.

Our bank details that you’ll need to use vary for different customers, based on your mortgage account number.

If your mortgage account number is anywhere between 130000000 and 130259999, the bank account details to use are:

Account name: Topaz Finance Limited
Account number: 61422456
Sort code: 40-02-50
Reference: Your mortgage account number

If your mortgage account number is anywhere between 130260000 and 138729999, the bank account details to use are:

Account name: Topaz Finance Limited
Account number: 71422421
Sort code: 40-02-50
Reference: Your mortgage account number

If you’re unsure of the correct bank details to use, you can check the information we sent to you in your welcome letter in February 2018, or call us and we’ll confirm these with you.

Please make sure to verify the details before sending your payment and include your account number as a reference. If we receive your payments without a reference, they may not reach your account and that could result in your account falling into arrears.

If you’re sending us your monthly payment by cheque, please allow eight working days for postage and the payment to be applied to your account.

Your cheque should be made payable to Rosinca Mortgages.

Please write your mortgage account number on the back of the cheque and post this to us at:

Rosinca Mortgages
PO Box 112
Skipton
BD23 9FB

If your cheque is returned to us by your bank unpaid, we may charge a £6.50 fee.

See more info on our Fees & Charges 

Was this page useful?

Yes
No
Thanks for your feedback!