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Mortgage payment holidays

Following the Financial Conduct Authority guidance issued in November 2020, you’re currently able to apply for a new mortgage payment holiday until 31 March 2021. Please read the information below and follow the instructions.
What you need to know

We understand many people are concerned about their finances now, in particular meeting mortgage payments. If possible, you should continue to make your payments, but if your ability to pay is being affected by coronavirus we’re here to help. 

You can apply online for a mortgage payment holiday, even if your mortgage doesn’t have this feature. 

Taking an agreed payment holiday won’t affect your credit rating, but it’s important to remember: 

  • The payment(s) and interest not paid during the holiday period will be added to the balance of your mortgage and you’ll need to pay these back in the future. 
  • Your future monthly payments, and the overall amount you pay back, will increase. 
  • Payment holidays can be granted for up to three months at a time so you can apply for an extension if you need to when your first one expires.
  • Payment holidays and extensions can not be in place beyond 31 July 2021 so if you wish to take the full six months available, contact us before your February payment is due at the very latest.

You’ll find all the information you need in the mortgage payment holiday FAQs. Details of other options, including extending your full or taking a partial payment holiday are in our payment difficulties section.

Unsecured personal loan accounts

If you have an unsecured personal loan you're able to apply for a payment holiday. Call us on 0800 121 8899 to discuss this. 

How could this affect you?

Use our calculator before applying for a mortgage payment holiday, to help you understand the impact it could have on your overall mortgage and monthly payments.

You’ll need your balance, rate, term and repayment type - all of which can be found on your mortgage statement we sent you at the start of year. If you’ve made changes to your mortgage since then, the mortgage illustration you received at the time will include the information you need. If you have mixed repayment types, or your mortgage has more than one part, then you’ll need to give us a call.

Once you’ve applied for a new or extended mortgage payment holiday, we’ll then write to you with a personal illustration of how this affects your mortgage. As long as you’re happy with this there’s nothing else you need to do.

This link will direct you to a third party website.

To arrange a full or partial mortgage payment holiday

There’s no need to call us – you can apply for a full or partial mortgage payment holiday or extend your existing mortgage payment holiday using our simple online forms below. As soon as we receive your request we’ll be in touch with next steps.

Full mortgage payment holiday

You can apply online to take a full mortgage payment holiday. You must be up-to-date with your payments, not in arrears and able to confirm that your ability to pay your mortgage (or your tenant’s ability to pay their rent if you’re a Buy to Let landlord) has been directly or indirectly affected by coronavirus

Additional mortgage payment holiday options

If you’re concerned about your finances or are in arrears, there are more options available to you. These include taking a partial payment holiday, extending your current payment holiday or exploring other alternatives.