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Mortgage payment holidays

What you need to know

We understand that many people are concerned about their finances at the moment and in particular, meeting their mortgage payments. If you can possibly do so you should continue to keep up with 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 for up to three months, even if your mortgage doesn’t have a mortgage payment holiday feature, as long as you apply by 31 October 2020.

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

The payment(s) and interest that aren’t 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 will increase, and so will the overall amount you pay back.

You’ll find all the information you need about mortgage payment holidays in the mortgage payment holiday FAQs and details of other options available to you, including extending your full or taking a partial mortgage payment holiday, in our payment difficulties section.

Unsecured personal loan accounts
If you have an unsecured personal loan you are able to apply for a payment holiday. Please 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.

Use the calculator

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

Apply for a full mortgage payment holiday

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.

Find out more

Get help with

Mortgage payment holidays

What you need to know

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.

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.