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First, you’ll need to check your mortgage terms and conditions to see if your mortgage allows for payment holidays. Payment holidays are only available on certain mortgages. Please contact us to find out if you are eligible.

Before we make a decision about whether to allow a payment holiday, we’ll need to consider your circumstances and the reason for the request.

If your payment holiday is approved, interest will continue to be charged to the account during the payment holiday period, which means your balance will increase. We’ll recalculate your payments once the payment holiday has finished.