How do I apply for a mortgage payment break?

We’re offering existing customers the option to reduce or defer mortgage payments for up to 3 months. After this time, if you continue to be financially impacted by COVID-19 you can apply to take a further mortgage payment deferral for up to 3 months. You can only apply for a further mortgage payment deferral when your original payment break comes to an end. You’ll need to wait until you receive your personal letter from us – which will be sent about 5 weeks before the end of your payment break.

Applying for a payment break

We’re here to support our customers at this difficult time and if you’re a home owner or buy to let landlord and are financially impacted by COVID-19, you can apply to take a mortgage payment break or reduce your payments for up to 3 months.

  • You’ll need to make up the payments later in your mortgage term and we’ll work with you to find the right option for you at the end of your payment break.
  • There won’t be any impact on your credit rating during the payment break period but it’s important to know that lenders may use information obtained from other sources, such as bank account information, in future lending decisions.
  • If your account is in arrears you can still request a payment break. We’ll need to speak to you to fully understand your situation so we can find the right option for you. Fill in the form below and we’ll be in touch as soon as we can.
  • If you’ve already taken a payment break and don’t think you’ll be able to restart your payments, because you’re still impacted by COVID-19, you can apply for a further mortgage payment deferral. Your letter let you know how to apply and show you the impact on your future mortgage payments. We can’t proceed with any further mortgage payment deferrals before you receive your letter.

How does it work?

  • You can apply for a payment break by completing our online mortgage payment break request form, so we can fully understand your situation and how you’re financially impacted by COVID-19.
  • We’ll ask you questions about your current mortgage and circumstances, and show you an estimated example of how this will impact your mortgage.
  • Once we receive your application, we’ll contact you if we need any further information about your income or change in circumstances.
  • If your payment break is approved we’ll let you know in writing and you won’t need to pay your mortgage for the agreed period, up to 3 months.
  • We’ll send you a letter before the end of your payment break to let you know all the repayment options available to you, what your new monthly payments will be and personalised financial illustrations.
  • If you’re unable to pay your mortgage at the end of this time we’ll work with you to find a solution, this may include making part-payments or deferring your mortgage payments for a further 3 months. There may be other options available to you based on your circumstances and we’ll discuss these with you if you need a longer term solution.
  • If you’re not financially impacted at this time and can continue to make your mortgage payments then we encourage you to do so.

What's the impact of taking a payment break?

  • The payments and interest not made during your mortgage payment break or deferral period will need to be repaid at the end of the payment break period.
  • You could end up paying more interest over the term of your mortgage when taking a mortgage payment break.
  • Your monthly payments could increase at the end of your payment break.
  • Taking a mortgage payment break won’t negatively impact your credit file during your mortgage break period. But it’s important to know that lenders may use information obtained from other sources, such as bank account information, in future lending decisions.


Please only complete this form if you’re applying for a mortgage payment break for the first time. This form can only be used once, so if you’ve already applied, or are currently in a payment break then you’ll need to wait until you receive a letter from us in order to apply for a further mortgage payment break.

Frequently asked questions

How to contact us

The best way to contact us at this time is by email or request a call back. Please check out our frequently asked questions above before contacting us, we’re updating these regularly with the questions our customers are asking us.

If you're a commercial mortgage customer you can find out more information here. 

Subject to status. Your mortgage will be secured on your property.  Your property may be repossessed if you do not keep up repayments.