You can request a mortgage holiday using our simple 3 step process.

Please enter your details, or click here to find out how to contact us.

Step 1 - Impact on your monthly mortgage payments

Before you decide you want a payment holiday, it is important you understand the impact of this on your mortgage payments. Enter details of your mortgage below to see what the impact of a mortgage payment holiday could be on your monthly mortgage payments, when the payment holiday ends.

Before you start

The figures we will show you are based on some assumptions:

  • You only have one interest rate on your mortgage
  • You only have one term length for your mortgage
  • You only have one repayment type for your mortgage

If your mortgage has multiple parts, the calculation will assume all the parts have the same interest rate, term and repayment type - you may have more than one part, for example, if you've taken an additional loan after your mortgage began. This may have a different term and/or interest rate to your main mortgage part.

Not sure where to find this? You can check on your latest mortgage statement or by logging in to your online mortgage account (not available for BTL customers).

In order to process your payment holiday we may need to call you to complete an income and expenditure check with you which will help us understand your current financial situation. This will include discussing details of any regular source of income and any regular outgoings.

Please tell us:

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years months

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If you would like us to assist you with this, call us on 0800 138 2401.

The payment the calculator will give you is based on the above assumptions, the accuracy of the information you provide and therefore is likely to be different to the actual payment calculated at the end of the payment holiday.

Step 2 - Enter your details

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Full Name (of any account holder) *

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Date of Birth (of the person named above) *
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Please give us as many contact numbers as possible to help us get in touch if we need to.

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When would you like your payment holiday to start? *
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Step 3 - Submit your request

Please read and agree to the following statements:

 
 

Before you submit your application for a payment holiday you should ensure you are fully aware of the impact on your mortgage:

  • During a payment holiday, interest will continue to accrue which means you will pay back more over the full term of your mortgage;
  • When your payment holiday ends, it is very likely that your mortgage payments will increase. We will confirm the new payment when your payment holiday comes to an end;
  • The term of your mortgage will not change;
  • The payment holiday will not negatively impact your credit rating but lenders may take into account other information when making future lending decisions, including, for example, information provided by applicants or bank account information;
  • Depending on your current circumstances we may need to discuss your request for a payment holiday before we can process it. If we are unable to contact you we may not be able to process your request.
 
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