Mortgage Payment Deferral

Need to take a payment deferral?

If you’re able to maintain your regular mortgage payments then you should continue to do so. If you need to take a short break from paying all or part of your mortgage let us know. We can look at your ability to make interest only or reduced payments if you have a Capital and Repayment mortgage. If you have an Interest Only mortgage please get in touch to discuss our other options. You can take up to a three month payment deferral if you’ve been affected by COVID-19. If you’d like to arrange a partial mortgage payment deferral please email your request to [email protected].

How it works

1. Fill in the details below - it will only takes a couple of minutes.
2. We'll contact you within 5 to 7 working days to let you know if you can take a payment deferral. A mortgage payment deferral means that you wouldn’t make mortgage payments for up to three months, however these monthly payments will need to be repaid in the future. We'll add these payments onto your mortgage balance unless we hear from you, and as a result, your mortgage balance will increase and your monthly payment will be recalculated so that the increased balance is repaid over the remaining term of your mortgage.
3. Your monthly payment and the amount of interest you pay will increase for the remaining term of your mortgage. You can let us know if you’d prefer to discuss alternative options for repaying the unpaid mortgage payments, through our website or by calling 0800 298 5714. Alternative options to repay the amount you owe include paying that amount as a lump sum payment, or with additional monthly payments over a shorter period of time. Both of these options will cost you less than paying over the remaining term of your mortgage.
4. We'll let you know your new monthly amount at the end of your payment deferral period.
5. In line with FCA guidance, your credit file won't be affected by this arrangement whilst the payment deferral is in place, however, there are other ways lenders can tell whether you’ve taken a mortgage payment deferral, which could impact future lending decisions. Lenders may take into account other information when making lending decision, including information provided by you or bank account information, for example.
6. If you’ve already emailed us please be assured that we’ll respond as soon as we can and do not complete this form.
7. We’re working through all of the requests we’ve received in order, therefore completing a form as well won't move your application further up the queue.
8. Unfortunately we’re unable to make any changes in time for payments due in the next 7 days. If your payment is due in the next 7 days and you’re unable to make your normal monthly payment, please call our Collections Team on 0800 781 8558. You can also email [email protected] to discuss your situation.