COVID - 19

Mortgage payment holiday form

If you need to take a short break from paying all or part of your mortgage due to COVID-19, the quickest way to apply is to fill in the form below.

If your mortgage payment date is due in the next two days and you’re unable to pay it, please contact your Bank to suspend/cancel the direct debit to avoid incurring unnecessary fees. Your credit record will not be impacted.

How it works

  1. Please fill in your 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 which means that you wouldn’t make mortgage payments for up to three months. Instead we'll add these payments to 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.

Please note

If you’ve already emailed or called us, please be assured that we’ll respond as soon as we can and you do not need to complete this form.

We are working through all of the mortgage holiday requests in the order received, therefore completing a form as well, will not move your application further up the queue.

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