Support with your mortgage, if you have concerns about your finances.
We understand you may be worried about the impact of coronavirus (COVID-19) and we want to reassure you that we are here to help you with any financial concerns you may have.
You’re no longer be able to apply for a repayment holiday because of Coronavirus. All repayment holidays because of Coronavirus end by 31 July 2021.
If you already have an existing repayment holiday in place and you can maintain your mortgage payments, you should continue to do so as this will be in your best interests longer term. Find out how to apply for a Mortgage Repayment Holiday and whether you’re eligible.
If you continue to be impacted by COVID-19 and you are experiencing financial difficulty, we’re still here to help. Please complete an income and expenditure form and we’ll get back to you within five working days. Alternatively, you can call us on 0345 835 3374. We’re here from 8am – 7.30pm Monday to Friday (except bank holidays) and 8am – 12.30pm on Saturdays.
If you take a repayment holiday you will pay more interest overall. It is important that if you can afford to make repayments, you continue to do so. We do not report any payments deferred by your repayment holiday to the credit reference agencies as being missed payments. If your account is up to date, it will continue to be reported as being up to date with payments for the duration of your repayment holiday. If your account is currently in arrears please note that the existing arrears will continue to be reported but will not reflect any deterioration due to the payment holiday. The balance reported will increase in line with the accrued interest in either case. Other factors including any existing arrears may affect your credit file or your ability to obtain credit.