When your payment break ends, your monthly payments will be the same as they were before you took a mortgage payment break.
Your mortgage balance and remaining term won’t change.
Here’s an example of how this would work:
Bill has a repayment mortgage of £160,000 on an interest rate of 4.00% and has 24 years and 1 month left on his mortgage. His monthly payment before he took a payment break was £863.32 each month.
After a 3 month payment break, Bill decided to repay the agreed missed payments in full, so his monthly payments after the payment break stayed the same as before and he wasn't charged any additional interest over the term of his mortgage.