<Your address> 
<Your postcode>

09 October 2020

<Address of your mortgage lender>

Dear Sir/Madam,

Re: Mortgage account number <account number – this should be written on any letters from your lender>

I am writing concerning my mortgage, which I have held with your company for <number of years you've had your mortgage> years.

As you may be aware, I have recently experienced some difficulties making payments towards my mortgage.

This is because (list the reasons here, for example:
'I have recently lost my job or had my hours reduced.'
'My wife/husband/partner has recently lost her/his job or had her/his hours reduced.' 
'I have fallen ill and am currently signed off work.')

(You may also wish to include some further information. For example, if your financial difficulties are only likely to be temporary, you could explain why. Or, if you are able to make reduced payments, you could suggest this here.)

I'm worried about my situation and would welcome the opportunity to meet with you to discuss payment options.

I'd be most grateful if someone in at a local branch could contact me as soon as possible to arrange an appointment. 

I look forward to hearing from you soon.

Yours faithfully,

<Your name>
Contact telephone number: <your number>