If you've already had 6 months of mortgage payment support, you cannot apply for another holiday under the current Government scheme. However, help is still available if you are experiencing problems with mortgage payments as a result of coronavirus or any other financial difficulties. This applies to both residential and commercial customers.
The quickest way to get in touch. View your options and complete the relevant form online. We will then contact you to discuss your individual circumstances.
If you need to speak to someone urgently, you can call us. Please bear in mind that during this busy period, you may have to wait longer than usual.
Monday to Friday, 9am-5pm
We need to gather some essential information from you to be able to make a decision on the best way to support you in as timely and straightforward a way as possible.
Simply complete the relevant online form in as much detail as you can and we will get back to you as soon as possible to discuss your individual circumstances. Any assistance agreed will be confirmed to you in writing.
If you would prefer to speak to us, you can call our Arrears Management team on 01228 403283, who will speak to you to obtain the essential information needed. Alternatively you can email us at firstname.lastname@example.org.
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.
We will assess your circumstances, including reviewing your income and expenditure, and if appropriate and we are able to do so, we may be able to agree a further period of forbearance or other measures to support you for a longer period of time.
However, interest on your mortgage will continue to accrue during any forbearance measures, therefore any measures agreed will increase the total amount you repay on your mortgage making it more expensive in the long term.
Any individual forbearance arrangements agreed after a payment holiday has ended will be reported to the Credit Reference Agencies as an ‘Arrangement’ if you are unable to resume your full monthly mortgage payments.
No, this will not be reported as arrears or as an ‘Arrangement’ to the Credit Reference Agencies, as long as the agreed payments are made when they are due.
You should contact your landlord or managing agent if you have problems paying your rent. If you are a landlord and your tenants are unable to pay their rent you should contact us as soon as possible to discuss the options that may be open to you.
You should continue to speak to us and we will review existing arrangements if there is a change in circumstances.
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.