Mortgage payment holidays

Coronavirus (COVID-19)

Updated Friday 20 November

Following the Government announcement about the extension of mortgage payment holidays and further FCA guidance, we’ve updated our website to reflect what support is available to you if you are financially impacted by coronavirus.

Customers now have until 31 March 2021 to apply for an initial or a further payment holiday. After that date, you will be able to extend existing deferrals to 31 July 2021, provided these extensions cover consecutive payments, and are subject to the maximum 6 months allowed.

Borrowers who have not yet taken a payment holiday, and who think they need the full 6 months should apply in good time before their February 2021 payment is due.

How we can help you

If you've not had a payment holiday before
You can apply online for a mortgage payment holiday for up to 3 months. No need to call us or visit a branch, simply complete our online form and we'll process your request as soon as possible.
If you've had a payment holiday for less than 6 months
If you’ve already had a payment holiday and you need longer, you can apply for another payment holiday up to a maximum total of 6 months.
If you've already had 6 months of payment support
You cannot apply for another payment holiday. However, help is still available if you are experiencing problems with mortgage payments as a result of coronavirus or any other financial difficulties.

Are you coming to the end of your mortgage payment holiday?

We will write to you in due course to explain the next steps. In the meantime, read our Q&A to find out more about what happens when your payment holiday ends.

Further help and support

If you are in financial difficulty or feel that you would benefit from some help to manage your money during this difficult time, you can find lots of useful information on our financial & mental wellbeing support page, including links to the Money Advice Service and other independent guidance.