If you are experiencing financial difficulties due to the current coronavirus situation, you can request a mortgage payment holiday for three months. please complete this short form. We’ll take a look at your request over the next few days (we’re currently receiving a lot of requests so it may take slightly longer).

If you would like to receive a text message confirming when we have received and completed your request, please make sure you provide your mobile number on the form. We will then send a letter confirming when the mortgage payment holiday will start.

Our contact centres are extremely busy at the moment, so using this link to request a mortgage payment holiday is the fastest way for it to be put in place for you.

It’s important to remember that interest will continue to be charged during your payment holiday. We will write to you at the end of your payment holiday period but in advance of your next payment due date. This letter will confirm your new balance and revised payment - taking account of the interest that has been added during your payment holiday. If you would like to discuss alternative options, the letter will explain how you can get in touch.

We will ensure that the payment holiday does not negatively impact your credit file.

If you've already taken a three month payment holiday and would like to request a further extension - our separate online service will help you understand your options.

Depending on your circumstances, we may ask you to provide further details so we can support you, but we'll let you know before we ask for this information.

If you are experiencing financial difficulties due to the current coronavirus situation, please complete this short form. We’ll take a look at your request over the next few days (we’re currently receiving a lot of requests so it may take slightly longer).

If you would like to receive a text message confirming when we have received and completed your request, please make sure you provide your mobile number on the form. We will then send a letter confirming when the mortgage payment holiday will start.

Our contact centres are extremely busy at the moment, so using this link to request a mortgage payment holiday is the fastest way for it to be put in place for you.

It’s important to remember that interest will continue to be charged during your payment holiday.

At the end of the payment holiday period, we will write to you at the end of your payment holiday period but in advance of your next payment due date. This letter will confirm your new balance and revised payment – taking into account any interest that has been added during your payment holiday. If you would like to discuss alternative options, or are continuing to experience financial difficulties, this letter will explain how you can get in touch.

A payment holiday extension for a further three months is one of a range of options available. Please follow the guidance provided and do not use this online form to request an extension to your payment holiday.

We will ensure that the payment holiday does not negatively impact your credit file.

A mortgage payment holiday is a period when your lender gives you permission to miss your regular mortgage payments.

It’s important to remember that interest will continue to be charged during a payment holiday. Therefore, when your payment holiday ends, your overall mortgage balance and monthly payments are likely to increase.

If you are experiencing financial difficulties due to the current coronavirus situation, the Government has announced that Lenders will offer mortgage payment holidays for up to three months.

If you are a landlord and your tenant is experiencing financial difficulties due to the current situation, you can apply for a payment holiday for up to three months to offer support to your tenant during this time.

We will be in touch once we review your request to confirm when your mortgage payment holiday will start. For most people, this will be their next regular monthly payment, but if this is within 10 days of your request, your payment holiday may start the next month.

If your payment is due in the next 10 days and you pay by Direct Debit we will collect this payment and commence the payment holiday from your next payment due.

If you pay by Standing Order, once we confirm the payment holiday has been processed you will need to cancel the Standing Order while your payment holiday is taking place.

We will write to you at the end of your payment holiday period but in advance of your next payment due date, to confirm your new balance and revised payment – taking account of the interest that has been added during your payment holiday.

You should remember to reinstate your Standing Order with your new payment amount once the payment holiday ends.

It’s important to remember that interest will continue to be charged during your payment holiday. At the end of your payment holiday we’ll recalculate your monthly payments – taking account of the interest added.

By spreading the cost of your payment holiday over the remaining term of your mortgage, the amount you will pay over the life of your loan will be more than it would have been had you not taken the payment holiday. The total amount you will repay to us could be higher than the amount stated in your Offer of Loan.

We will write to you at the end of your payment holiday period but in advance of your next payment due date. This letter will confirm your new balance and revised payment – taking account of the interest that has been added during your payment holiday. If you would like to discuss an alternative payment arrangement, the letter will explain how you can get in touch.

We will ensure that the payment holiday does not negatively impact your credit file

No, your mortgage term does not change as a result of taking a payment holiday.

We will write to you towards the end of your payment holiday, at least two weeks before your next payment will be due. This letter will confirm your new balance and revised payment - taking account of interest that has been added during your payment holiday.

If you would like to understand the options available to you when your coronavirus payment holidays comes to an end, our separate online service.

Yes, if you are experiencing financial difficulties due to the current coronavirus situation you can request a mortgage payment holiday of three months. Please complete this short form, we’ll take a look at your request and come back to you over the next week to confirm when your mortgage payment holiday will start.

Our contact centres are extremely busy at the moment, so using this link to request a mortgage payment holiday is the fastest way for it to be put in place for you.

It’s important to remember that interest will continue to be charged during your payment holiday.

If you are have missed a mortgage payment before the start of the payment holiday, we will write to you at the end of your payment holiday period but in advance of your next payment due date to discuss next steps. If we are unable to contact you, the letter will explain how you can get in touch.

If you are in arrears before the start of the payment holiday, we will write to you at the end of your payment holiday period but in advance of your next payment due date to discuss next steps. If we are unable to contact you, the letter will explain how you can get in touch.

We understand that this is an uncertain time. We will write to you at the end of your payment holiday period but in advance of your next payment due date. This letter will confirm your new balance and revised payment – taking account of the interest that has been added during your payment holiday. If you would like to discuss alternative options, the letter will explain how you can get in touch.

Following updated Government guidance, property valuers are now able to carry out physical valuations across the UK. Where possible, we will continue to use a combination of Automated Valuations - a computer estimate based on previous sales prices and property value indices, Desktop Valuations and Physical Valuations.

We’re continuing to monitor the situation closely and we’re working hard to support as many customers as possible during these difficult times.

If you have exchanged contracts on a property purchase you can request that your Mortgage Offer is extended by 3 months. We're happy to take requests for a Mortgage Offer extension once there is less than a month remaining on the valid period of your offer.

The request will need to be made through your Solicitor, who can use the usual routes to contact us with the request. As a responsible lender we will need to ensure that the mortgage is still affordable so will need to see up to date proof of income.

When we review your request to extend your Mortgage Offer, we will base our decision on the mortgage product confirmed in your original Offer. If you want to change mortgage products, you will need to make a new mortgage application.

Yes, once you are no longer experiencing financial difficulties and your payment holiday has ended. We have a range of products available to suit customer needs.

To apply for additional borrowing, please call 0800 0224 313 and we can chat through your individual circumstances.

Yes, once you are no longer experiencing financial difficulties and your payment holiday has ended. We have a range of products available to suit customer needs.

To apply for additional borrowing, please call 0800 0224 313 and we can chat through your individual circumstances.

This is fine. Depending on the timing of your two requests, the Offer of Loan for your new product deal may not take into account any interest that will be added during your payment holiday.

We will write to you with details for both transactions and any changes to your account and payments.

As a responsible lender we must ensure that all lending is affordable, therefore we have taken the difficult decision not to consider any income from employment which is currently ‘furloughed’ to assess the affordability for additional borrowing. Additional borrowing requests can be considered once you exit the Job Retention Scheme. Any application for additional borrowing will be subject to our lending policy and a satisfactory affordability assessment at the time.

As a responsible lender we must ensure that all lending is affordable, therefore we have taken the difficult decision not to consider any additional borrowing request from existing customers who have applied for the Governments income support scheme. Once your feel that you are no longer financially impacted by coronavirus, an additional borrowing request can be considered subject to our lending policy and a satisfactory affordability assessment at the time of application.

Yes, we’d be happy to discuss this further with you. Please call 0345 605 0500 and we can chat through your individual circumstances. Check here for our opening hours.

If you require additional borrowing and have also applied for a payment holiday, we may need to pause your request to move home. We’ll be in touch if we need to do this. Once your payment holiday has ended, you can apply for additional borrowing and your application will follow our usual process and criteria.

Due to the current situation and restrictions on valuations, we have extended the ‘Porting’ window from 6 to 12 months.

We are currently able to assess applications for the purchase of a new residential property up to 85% LTV and the purchase of a BTL property up to 80% LTV.

Please be assured that we are continually reviewing our application criteria.