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Welcome to Nemo

On 22nd May, the UK Government announced proposed changes to the existing Mortgage Payment Holiday scheme.

We continue to do all we can to support our customers affected by coronavirus and are working hard to understand and implement these proposed changes in accordance with the latest government guidance and regulatory timeframes. Please visit our coronavirus information page for the latest updates.

Our priority remains the wellbeing of our customers and colleagues but in order for us to ensure we’re able to help our most vulnerable customers, please only call us if you require immediate assistance with your second charge mortgage or have an existing query.


We opened our doors in 2005 to offer secured loans for UK homeowners with an existing mortgage.

Nemo no longer offers second charge mortgages to new customers or further advances to our existing customers. We remain 100% committed to providing our existing customers with exceptional service.

We are currently experiencing some technical problems with our online payment function, whereby you may not receive confirmation that the payment has been processed successfully. To ensure you do not encounter any problems with making your payment today, please could you contact us on 0800 612 9982 (9am to 5pm, Monday to Friday) where we can process your payment. You are also able to make your payment through your bank by using the following details:

  • Sort Code: 20 18 23
  • Account Number: 20069604
  • Payment Reference: Your Nemo account number

We would like to offer our apologies for any inconvenience this has caused and assure you we are investigating the problem

Customer Services

If you would like to find out how your Nemo mortgage works or find out more information about remortgaging or settling your account, then click on the links below:

See more options

Budgeting Planner

Budget Planner Guide

Click on the link below

Budget Planner Guide

Dealing with Difficult Times

It can be challenging managing finances at the best of times, but it becomes harder when you or a loved one experiences a major life event that leaves you vulnerable.

For more information please click on the link below.

More information

Service Update

Please be aware, at this challenging time, our call centres are experiencing higher call volumes than normal. This may result in longer wait times but rest assured we’re doing all we can to support our Members. In light of the UK Government’s announcement on mortgage holidays, please only call us if your circumstances have changed and you need mortgage relief immediately due to coronavirus.

Coronavirus update