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Coronavirus: mortgage support

Coronavirus: mortgage support

We understand that circumstances are changing as our customers are adapting to the impact of coronavirus. Whether you are worried about missing your next payment or you need to request an extension for a mortgage offer you had from us, we're here to help.

New government guidance for mortgage payment holidays - 27/05/2020

Mortgage payment holiday

If your income has been impacted by Coronavirus and you know you are not going to be able to make your monthly mortgage payments, we could offer our existing mortgage customers a 3 month payment holiday.

I've already missed one or more mortgage payments

If you've already missed a mortgage payment, we're here to help. Please get in touch to speak with our dedicated team.

I'm up to date with all my mortgage payments

If you're up to date with your mortgage payments you can apply for a mortgage payment using our online form.

Other ways I want to manage my mortgage

Switch to a new mortgage deal, manage your regular over payments or use our helpful mortgage calculator.

Frequently asked questions

Important information

Before you apply for a payment holiday you should ensure that you are fully aware of the impact on your mortgage.

  • Although on a payment holiday, interest will continue to accrue which means you’ll pay back more over the full term of the mortgage.
  • When your payment holiday ends, your monthly payments will increase. We will provide you an estimate of these prior to commencing the payment holiday.
  • The term of your mortgage will not change.
  • A payment holiday will not have any negative impact towards your credit rating.
  • By requesting a payment holiday you are acting on behalf of all parties named on the mortgage.

How to apply for a payment holiday

Before applying please ensure you have read the Important information section above.

After your request has been submitted, you won't need to do anything else. 

  • Within 7 days we will email you to confirm when your payment holiday will take effect, and to give you an estimation of what your mortgage payment will increase to after the end of your holiday period. 
  • If you have a payment due in the next 14 days, we may not be able to amend this payment. We will confirm this after we’ve processed your request.
  • If you are able to make your next payment we recommend that you do so as normal but we understand that in some circumstances that might not be possible so, where a payment request fails, we will contact you to offer further support.

If you have already missed a payment on your mortgage, and want to apply for a payment holiday, you will need to call us.

Our colleagues in contact centres are working incredibly hard in difficult circumstances. Please only call us if it’s absolutely essential this will allow us to focus on those customers who need us most at this time. 

Mortgage offer extension

If you’ve had a mortgage offer with us approved but because of current circumstances you can’t complete the purchase, we’re here to help. We could extend your mortgage offer by 3 months to give you extra time to complete buying your new property or re-mortgaging your existing property.

Is there anything else we can help you with?

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