Managing your payment break

We have a range of short term and long term solutions to back our customers still in financial difficulty, please select below which option best applies to you. Where you are able, returning to your previous payment arrangement, as soon as can you afford to do so, is in your best interests as it will reduce your interest cost over the remaining term of your mortgage.

Where you are not yet ready and need some short term or longer term support, we can help. It is important that you understand how those options will impact your mortgage and we have outlined that information below. If you need any more support to help you select the option which works for you, please contact us.

High call volume

A payment break may result in higher monthly payments over the term of the loan. If you are in a position to resume making payments it is in your financial best interests to do so rather than take a payment break.

Ready for Full Payments

My situation has improved and I want to return to full mortgage payments

Short-Term Support

I need more help to make my mortgage payments in the short term

Long-Term Support 

I am expecting to experience long term issues with money because of COVID-19 that mean I won’t be able to repay my mortgage

Frequently Asked Questions

Here are some mortgage FAQs to help you through uncertain times. These will be updated regularly with the latest information and guidance.

About a 'Payment Break'

Eligibility for a payment break

Impact of taking a payment break extension

Additional supports

Other common queries