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Coronavirus (COVID-19)

Mortgage Payment Holiday Support

Important information on coronavirus

What to do when your payment holiday is coming to an end

Before your payment holiday ends, we'll send you a letter showing your current balance, your new monthly payment amount and your next payment due date.

We'll also share information about other potential options. 

Your next steps

Look at your options

If you can't afford the new amount, we can help in a number of ways, depending on whether the changes to your financial situation are temporary or more permanent.

Get a clear picture

Be sure to go through your options carefully to work out which one is the best one for you, especially as some options will affect your credit file. 

Get in touch

If you’d prefer to talk through your options, please call the number on the letter we sent you to get help and support.

Are you looking to extend your mortgage payment holiday?

As of 1 April 2021, you can no longer apply for a new payment holiday. You can apply for an extension to your existing payment holiday provided that you’ve not received the maximum of six months and there has been no break in the support taken. Any payment holiday extension offered after this date will stop on 31 July 2021, even if you haven’t reached the maximum of six months.

I can afford to pay some of my mortgage

If your finances are temporarily impacted and you can afford to make reduced monthly mortgage payments, we're here to help. Once you've worked out the best duration, pay what you can into your mortgage account, whenever you're able to during your mortgage payment holiday period.

I can't afford to make any payment

If you’re unable to make your next payment, you can apply for an extension to your existing payment holiday provided that you’ve not received the maximum of six months, there’s been no break in the support taken and your current payment holiday has ended. Any payment holiday extension offered after this date will stop on 31 July 2021, even if you haven’t reached the maximum of six months. If you can afford a small amount, you consider making reduced payments to help bring down what you’ll pay in the long run.

Long term repayment arrangement

If you know your finances are unlikely to improve and you are worried about the long-term impact of coronavirus, it's important that you get in touch with us to discuss your options. Visit our dedicated struggling financially page for more information.

Other mortgage options

Switch to a new mortgage deal

You might be able to reduce your monthly payments by switching your mortgage deal.

Extend the term of your mortgage

It may be possible to lower your monthly payments by extending your mortgage term.

Getting independent support

Free and confidential debt advice

If you’ve got other debts in addition to your mortgage, you can get free debt advice. We partner with PayPlan (a third party company), who can offer you free confidential advice for all of your debts. 

Start a conversation with PayPlan

Money advice service

If your finances have been impacted by the last few months, the Money Navigator Tool from the Money Advice Service can offer you free and impartial advice based on your own circumstances.

Use the Money Navigator Tool 

Other independent organisations who can help

  • Citizens Advice
    Free advice on debt, benefits, housing, legal matters, employment and general consumer advice.
  • Money Advice Service
    Free advice on debt, divorce/separation, setting up a new home, care & disability.
  • Gov.uk
    Free advice on housing, debt, benefits, eviction & homelessness.
  • Housing Executive
    Coronavirus (COVID-19) advice for renters and landlords from the Housing Executive.
  • Shelter
    Free advice on housing, debt, benefits, eviction & homelessness.
  • National Debt Line
    Free and confidential advice on debt.
  • Financial Conduct Authority (FCA)
    Free advice on mortgage lenders and administrators during the coronavirus (Covid-19) pandemic.

Is there anything else we can help you with?