Existing customer support number: 0800 298 5714

Mortgage Payment Holiday

DO NOT USE THIS FORM IF YOU HAVE ALREADY HAD A COVID-19 PAYMENT HOLIDAY

Need to take a payment holiday?

If you need to take a short break from paying all or part of your mortgage let us know here. You can take up to a maximum 3 months’ payment holiday if you’ve been affected by the Covid-19. We’re currently dealing with a much higher number of phone calls than usual, so the quickest way for you to apply for a payment holiday is by using the form below.

How it works

  1. Fill in the details below - it only takes 2 minutes.
  2. We'll contact you within 5-7 days to let you know if you can take a payment holiday. If you take a mortgage payment holiday, this means that you wouldn’t make mortgage payments for up to three months and we'll add these payments onto your mortgage balance unless you contact us before your payments recommence to discuss alternative options for repaying the unpaid mortgage payments. As a result, your mortgage balance will increase and your monthly payment will be recalculated over your remaining mortgage term. Your monthly payment and the amount of interest you pay will increase for the remaining term of your mortgage.
  3. We'll let you know your new monthly amount at the end of your payment holiday.
  4. In line with government guidance, your credit rating will not be affected by this arrangement whilst the payment holiday is in place.
  5. If you’ve already emailed us please be assured that we’ll respond as soon as we can and do not complete this form.
  6. We are working through all of the emails we have received in order, therefore completing a form as well, will not move your application further up the queue.
  7. 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.

Before applying for this payment holiday, please confirm that:

  • You and anyone else named on the mortgage are aware that:
  • whilst your account is on a payment holiday your outstanding balance will increase and interest will continue to be charged on that amount; and
  • we have worked on the assumption that if we don’t hear from you before payments recommence to discuss alternative options to repay the unpaid payments, that you wish to repay the unpaid amounts over the remaining term of your mortgage. We will re-calculate your payments over the remaining term to ensure the amount unpaid during the payment holiday is repaid within the agreed term. This will mean that more interest is paid over the term of the mortgage and your monthly payment will increase at the end of the payment holiday. (Alternative options include paying that amount as one off lump sum payment or over a shorter period of time).
  • You only need this payment holiday due to Covid-19 related reasons. If your mortgage account is in arrears, we have other ways of helping you.
  • If you are a Buy-to-Let landlord, you only need this payment holiday due to your tenants losing income as a result of COVID-19.
  • You and anyone else named on the mortgage are aware that you will need to review any insurance policies which are calculated on the balance of your mortgage.

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About you

 
 
 
 
 
 
 

About your request

 

Before applying for this payment holiday, please confirm that:

 
  • You and anyone else named on the mortgage are aware that:
  • whilst your account is on a payment holiday your outstanding balance will increase and interest will continue to be charged on that amount; and
  • we have worked on the assumption that if we don’t hear from you before payments recommence to discuss alternative options to repay the unpaid payments, that you wish to repay the unpaid amounts over the remaining term of your mortgage. We will re-calculate your payments over the remaining term to ensure the amount unpaid during the payment holiday is repaid within the agreed term. This will mean that more interest is paid over the term of the mortgage and your monthly payment will increase at the end of the payment holiday. (Alternative options include paying that amount as one off lump sum payment or over a shorter period of time).
  • You only need this payment holiday due to Coronavirus (Covid-19) related reasons.
  • If you are a Buy-to-Let landlord, you only need this payment holiday due to your tenants losing income as a result of COVID-19.
  • You and anyone else named on the mortgage are aware that you will need to review any insurance policies which are calculated on the balance of your mortgage.
 
 
 
 


Your mortgage is secured on your home. Think carefully before securing other debts against your home.
Your home may be repossessed if you do not keep up repayments on your mortgage.