Welcome to Hyalite Mortgages - Hyalite

Welcome to Hyalite Mortgages

News headlines

  • We welcome former customers of Bradford & Bingley and Mortgage Express to Hyalite Mortgages.
  • We’re now responsible for administering your mortgage, setting the interest rate and any fees that may apply.
  • There is no change to your account number, mortgage terms & conditions or interest rate as a result of your mortgage moving to us.
  • If you pay by Direct Debit you don’t need to make any changes to your payments.
  • If you pay by another method, you will need to update the details you are using.
  • You can manage your account online with Self-Serve – if you’d registered previously with Bradford & Bingley or Mortgage Express you can sign in now using your same username and password.
  • We can no longer accept any contract variation changes on a buy-to-let mortgage.
  • We’re here to help if you have a query or need any support.

If you received a letter from Bradford & Bingley or Mortgage Express advising you about the transfer of ownership of your mortgage to us, we can confirm your mortgage was assigned to us on 23 October 2023.

We’re delighted to welcome you as a customer of Hyalite Mortgages.

Hyalite Mortgages is a trading name of Topaz Finance Limited. We’re an experienced UK-based mortgage lender supporting both homeowners and buy-to-let landlords, operating since 2006. We’re regulated by the Financial Conduct Authority and look after over 100,000 mortgages and loans for customers under a range of different trading names. Find out more about us.

From now on we’re responsible for dealing with all aspects of the administration of your mortgage including collecting your monthly payments, issuing your annual mortgage statement, helping you manage any arrears, handling complaints and answering any general queries you may have. See our contact details here.

There is no change to your account number or mortgage terms & conditions following the transfer of your mortgage to us.


Rates, fees & charges

We’re now responsible for setting and changing the interest rate, fees and charges that apply to your mortgage.

Your interest rate – we’ve initially set your interest rate at the same rate as it was with Bradford & Bingley or Mortgage Express, so this hasn’t changed as a result of your mortgage moving to us. Your interest rate will continue to vary in accordance with your mortgage offer and terms and conditions. See our interest rate information page.

Fees & charges – some of the fees we charge are lower than with your former lender and there are some types of fee that we won’t ever charge. For more information, please see our Fees & Charges page.

Please note – some costs charged by third parties will increase marginally following the transfer and we’ll write to you separately if this applies to you.


Making your monthly payments

Depending on how you make your monthly payments, you may need to take some action following the transfer of your mortgage so that your payments reach us in time.

Direct Debit

If you pay by Direct Debit you don’t need to do anything. Your instruction has been transferred to us and we’ll now collect your monthly payments. The only change you will notice is that Topaz Finance Ltd re Hyalite Mortgages will now appear on your bank/building society statement.

There is no need for you to complete a new Direct Debit instruction, as details of the change have been supplied to your bank. Your bank may contact you to confirm that a new Direct Debit instruction has been set up. You may also see a comment on your bank statement advising you of the final payment under the old name and the first payment under the new name.

If you cancelled your Direct Debit so it wouldn’t be automatically transferred from Bradford & Bingley or Mortgage Express, you now need to arrange for a new Direct Debit, or an alternative method of payment, to be put in place, to prevent your account from falling into arrears.

Other payment methods

If you currently pay by any other method, you will need to amend the details before your next monthly payment so that this reaches us on time.

You can find all the details about making your monthly payments, including our new account details, on our payments page.


Using Self-Serve

Self-Serve is our secure online system, which is available 24 hours a day, 7 days a week from any device. 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 previously registered for Self-Serve with Bradford & Bingley or Mortgage Express, you can sign in with Hyalite Mortgages using the same username and password. If you need to register, it’s quick and easy to create an account. Find out more here.


Making changes to your mortgage

If you’re a homeowner, we’re unable to offer advice on any mortgage contract variations such as a change of repayment type, change of term or a Transfer of Equity. So if you’re considering making a change of this nature in the future, we would encourage you to seek independent mortgage advice to help ensure the change is right for you.

If you’re a landlord – we’re unable to accept any mortgage contract variations on a buy-to-let mortgage.

For more information about the changes you can make to your mortgage with us and to view other potential options, please see our making changes page.


Here to help when you need us

You can get in touch with us by secure online message, phone or post. You can find all the details on our contact us page.

We know times are tough and mortgages can be complicated, so we’re always here to provide help if you need it.

If you’re behind with your payments or need any support, please call us on our new number as soon as possible. Speaking to us earlier means there may be more ways in which we can help, and simply contacting us will not affect your credit score.

Questions & answers

Following the transfer of your mortgage to Hyalite Mortgages on 23 October 2023, communications about your mortgage will now come from us.

However, you may still receive some letters from Bradford & Bingley or Mortgage Express about matters from before the transfer took place.

We’ll honour any commitments made previously by Bradford & Bingley or Mortgage Express relating to changes to your mortgage.

If you have a current offer letter (contract variation) or redemption statement, you do not need to take any action. If necessary, we may re-send some documentation to you and/or your solicitor.

If your offer or redemption statement has expired, you’ll need to contact us to arrange for a new one to be issued. Please inform your solicitor of the transfer.

If you wish to make any other changes to your mortgage with us, please see the information on our website such as our making changes page.

If you’ve fully paid off your mortgage, the letter to you may have been generated before the redemption had been fully processed. If that’s the case, you don’t need to take any further action.

Please call us if you’re unsure about this.

Yes – if you had an active ATP to clear your mortgage arrears with Bradford & Bingley or Mortgage Express, this will continue with us.

If some or all of your payments are being made by a third party, for example, from the Department for Work and Pensions (DWP), you will need to inform your provider of our new bank details to make sure future payments go to the right account.

Account name: Topaz Finance Limited
Sort code: 40-41-70
Account number: 20038814
Payment reference: Your mortgage account number

Yes – you can make overpayments using one of the payment methods as follows. For more information, please see our overpayments page.

Debit card payments – if you’ve registered for Self-Serve, please sign-in to your online account to make an overpayment. You Username and Password remain the same as with Bradford & Bingley or Mortgage Express. If you need to register for the first time, find out more here.

Alternatively, please call us to make your payment.

Please note – we do not accept any credit cards or AMEX payments.

Standing order or online banking payments – please use the following details to make your payment:

Account name: Topaz Finance Limited
Sort code: 40-41-70
Account number: 20038814
Payment reference: Your mortgage account number

Cheque payments – please ensure your cheque is made payable to ‘Hyalite Mortgages’. Please quote your mortgage account number on the back of the cheque and post this to:

Hyalite Mortgages
PO Box 141
BD23 9GG

A copy of relevant data relating to your mortgage has been transferred to us. We will always comply with our legal obligations under the data protection laws, including the Data Protection Act 2018. For full details please see our Privacy Notice.

The relevant Credit Reference Agencies have been notified of the change to Hyalite Mortgages and they will update your report accordingly. They may send you an automated notification about this, which will be for information only.

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