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Update on NRAM


On 23 October 2023, NRAM ceased to operate as a lender. All live customer accounts were transferred to Hessonite Mortgages or Hyalite Mortgages, both of which are trading names of Topaz Finance Limited which is regulated by the Financial Conduct Authority. We have written to customers with a mortgage or other debt who have been affected by these transfers with details about the change.

To find out how to contact your new lender, please visit the Hessonite Mortgages Contact Us page on the Hessonite website or visit the Hyalite Mortgages Contact Us page on the Hyalite website.


Information for former customers

If you had a mortgage or other loan with NRAM that was previously sold or transferred to another organisation, please visit our Sales of mortgage and loan portfolios page for further information.

For more information about other products that NRAM sold, including Lifetime mortgages, please visit our Other products page.

If you previously held a mortgage with NRAM that redeemed without being transferred to another lender and you wish to make a complaint, please see our Complaints page for more information.

If you need to contact us for any other reason, you can write to us at:

PO BOX 118
BD23 9FH

Alternatively, please call us on 0344 472 6146. We’re open Monday to Friday from 9am to 5pm. Please have your former account number to hand.