Make Repayments

Making repayments

You can make repayments towards your mortgage at any time during the calendar month in which it is due. We recommend you pay by Direct Debit to guarantee that payments reach your mortgage account on time each month. 

Set up a monthly Direct Debit 
Direct Debit is one of the easiest, safest and most reassuring ways of making your monthly mortgage repayment. Your monthly mortgage repayments are made automatically, so they are not overlooked - eliminating the risk of late payment fees and charges+.

The Direct Debit Guarantee protects you and your money. It's offered by all financial institutions that take part in the scheme. A Direct Debit in place means less worry, and appears favourable on your credit file as it shows a consistent commitment to repaying your mortgage.

Your mortgage repayment will be taken via Direct Debit on the last day of each month. If the last day of the month falls on a weekend or bank holiday then the Direct Debit payment will be requested on the next working day. 

Other ways to pay:

  • Online, using our secure payment portal. Please click here to be taken to our secure portal to complete your payment. The Mars Capital Terms and Conditions* (specifically relating to online payments) are detailed below
  • Bank transfer. Using online banking or via paying-in slip at your bank – please contact us for the correct bank account details
  • Standing Order. Call the team for help setting this up
  • Cheque or Postal Order. Made payable to Mars Capital and sent to Mars Capital, Capella Building, 60 York Street, Glasgow, G2 8JX

Missed repayments
Although payment flexibility is provided to allow customers to choose when and how to pay, it's important to highlight that should you choose to pay at month end by any other method than Direct Debit, payment may not reach Mars Capital on time. Please note that if we do not receive your repayment within the calendar month in which it is due your credit file may be adversely affected.

If you pay your mortgage by online transfer from your bank or building society on a weekend or bank holiday at the end of the month, your payment is not guaranteed to arrive in time to be credited to your account within the same month. To ensure we receive payment on time we recommend that you make payment no later than two business days before the end of the month in which it is due.

*Online Mortgage Payment Terms & Conditions
Please read these terms and conditions carefully. By using this online facility you confirm that you accept these terms and conditions.

  • Mars Capital will only accept payments by debit card. Credit card payments are not acceptable.
  • The debit card must be in your name and registered at the address we hold on file.
  • Third Party Payments: Mars Capital do not accept payments from a third party not named on the mortgage account. .
  • We cannot accept liability for a payment not reaching the correct account due to you entering incorrect information.
  • Payments are credited to your mortgage account upon successful completion of the transaction. Email notification will be sent immediately for both successful and declined payments.
  • In no event, either in Tort or Contract, will Mars Capital Finance Limited be liable for damages arising from the use of or inability of the user to use this site.
  • Refunds / Cancellations: If you wish to cancel the payment or feel you are owed a refund, please contact us on 0330 818 6000.