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Closed on bank holidays 

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Mortgage payment holiday

What you need to know

We know that you might have concerns about your finances at this time. If you are able to maintain your mortgage payments you should continue to do so. However if your ability to pay has been affected by Coronavirus you can request a payment holiday of up to three months.

For residential mortgages, the payment holiday will apply if you’re up to date on your payments, not in arrears, and you can confirm that you’ve been affected – directly or indirectly – by Coronavirus.


For buy-to-let mortgages, it’ll apply if you’re up to date with your payments, not in arrears and you can confirm that your tenants are having difficulty in paying their rent due to Coronavirus.


Taking a mortgage payment holiday at this time will not affect your credit rating, but the interest will accrue in the holiday period. This means that the overall amount payable and the term of your mortgage could increase. You’ll need to make up deferred payments in the future.


For example, with a capital repayment mortgage of £100,000 over 25 years at our Standard Variable Rate of 4.49% interest, your monthly payment after a 3 month payment holiday will increase by £9.30.


What you need to do


  1. If you’re not in arrears and ready to arrange an immediate payment holiday the quickest way to do this is by filling in our online mortgage payment holiday form.


Once you've done this, we'll action it immediately and there is nothing more we need from you. 


If you're already behind on your mortgage payments, please call us. and we can look at whether a payment holiday or another option is suitable for you.