All applications will be processed in line with Government guidelines. A member of our office team will be in touch as part of your application to go through the steps we need to take to complete your application as safely as possible.
We are currently closed for new orders from 20th November 2019 until 6th January 2020. Please feel free to try again then. We are sorry for any inconvenience this may cause.

Opening Hours for Christmas and New Year - Normal times until 23rd Dec - We close on Monday 23rd December at 3pm and re-open Monday 6th January at 9am.

Debt Advice

Unable to make your weekly payment?

At HomeSmile we understand that life has its ups and downs, and we are here to support you.

If you are unable to make your weekly payment, we recommend the following action:

Immediately contact us:

  • A Manager will visit your home to understand the problem
  • We will reassess your affordability taking into account the changes to your circumstances
  • Reduce your payment where necessary and review your account for 6 weeks
  • Consider a long term reschedule of your loan after the 6 weeks to an amount that you can afford if the changes to your finances are long term.
  • You will be expected to provide evidence to our mangers of the changes to your finances to ensure the plan we put in place in your best interests.

In all instances, your agent should be your first port of call for assistance, support and guidance, but if you are in anyway unhappy with the service you receive, please contact our head office on 0121-522-4687.

If you would like advice about how to manage your debts, you can do this for free by contacting:

Citizens Advice

Citizens’ Advice Bureau


Step Change

Step Change

Telephone: 0800 138 1111


National Debtline

National Debt line

Telephone: 0808 808 4000


*Terms and conditions apply