Debt Management Plans FAQs

On this page we try to answer any of the questions you may have about our Debt Management Plan (DMP) range. If you have a question that isn't answered, please get in touch with your local or telephone BDM.


An active DMP needs to be in place and satisfactorily conducted for a minimum of 12 months before we can consider an application.

Yes, the standard criteria around CCJs and Defaults apply to the DMP range. For more information please see the Debt Management Plan range page

Yes, as long as it fits into our usual criteria. For more information please see the Debt Management Plan range page.

If you're able to clearly demonstrate that these creditors are part of the same DMP we'll be able to consider the application. If you're unable to provide this evidence we won't be able to proceed with the case.

Unfortunately there are times where a creditor may have mistakenly registered a DMP on an individual's credit record. Before we can consider their case we'll need this to be removed from their profile.

We'll only consider cases with one active DMP. This means that if a couple make a joint application and both are in separate DMPs we won't be able to consider their case.

If your client has chosen to stop making payments to a debt management company while they're in a plan, we'll be unable to confirm it's been conducted satisfactorily and so will be unable to lend to them.

The exception to this is if the debt management company has ceased trading - we'll consider these on a case by case basis.

This shouldn't be a problem, as long as there has been no break in payments on the DMP and you can supply references from all providers covering the last 12 months.

Affordability is calculated by taking account of the contractual payments as outgoings in the Commitments section of our application portal, please include those covered by the DMP here. If the DMP will be repaid before completion of the mortgage, please mark these payments as "to be repaid".

No - we'll consider the DMP as a monthly commitment when we assess affordability. 

Submitting a case

Yes, when submitting the case on to our application portal, you'll need to confirm if your client is in an active DMP on the Loan Details screen in order to ensure the correct products are presented.

Also, please include all the contractual payments, including those covered by the DMP, in the Commitments section as you would in a standard application. If the DMP will be satisfied on completion mark them as "to be repaid".

If your client has satisfied their DMP in the last 12 months then this will be picked up during the soft credit search and the DMP range will be presented.

In addition to the above, we'll need a couple of further documents to be uploaded to the application:

  • A DMP Supplementary Information Sheet - this is a breakdown of the creditors covered by the DMP and is for you to complete and upload to the application. (Only required for active DMPs)
  • A reference letter from the clients' DMP provider on their headed paper will also need to be uploaded to the application. (Required for both DMPs that are active or have been satisfied in the last 12 months)

We've included a template for the letter to send to the DMP provider with the DMP Supplementary Information Sheet download.

We currently offer a Residential DMP product range for purchases and remortgages. 

Individuals in an active DMP or one which has been satisfied in the last 12 months won't be considered for either our standard Residential or any of our Buy to Let products.

Yes, we require proof of payments for active DMPs and those satisfied in the last 12 months.

Proof of payments will not be needed for DMPs satisfied over 12 months ago. 

Your client should be aware that they're in a DMP as they arrange it through a debt management company. If they're not aware, but their credit record has one registered in their name it's possible a creditor has registered it in error.

Find out some helpful tips on How to spot whether your client is in a Debt Management Plan.