We’ll automatically add what you owe from your payment break to your mortgage balance. This will affect your mortgage depending on the type of loan you have.

Repayment Mortgage:

For any element of your mortgage that is on a repayment basis, you’ll pay the deferred amount over the remaining term of your mortgage.

Interest Only Mortgage:

For any element of your mortgage that is on an Interest Only basis, we'll add the amount to your balance so it must be repaid at the end of your term.

You can find out more by visiting our FAQs.

We do have alternative options to pay back the deferred amount. Click ‘Next’ to see what they are.

Unsure about your ability to repay the deferred amount or resume your normal monthly payment?

If your monthly income is still impacted by COVID-19, we can continue to support you in the following ways:

• If you’re coming to the end of your initial payment break, you may find another payment break would suit you. You can apply to extend your payment break once, for up to a further 3 months. You can apply until 31st March 2021
• If you’ve already had a payment break extension and still need financial support, please complete and send us an income and expenditure form. For immediate help, please call us on:
  0800 1699722*

*Calls are recorded for training and monitoring purposes. Lines are open 9am– 5pm Monday to Friday. 03 calls cost no more than calls to geographic numbers (01 or 02). Calls from landlines and mobiles are included in free call packages.

Customers from the Republic of Ireland

Please visit our Republic of Ireland page.

Repay the deferred amount immediately as a lump sum overpayment

Pay the total amount you deferred during your payment break. This is confirmed in your letter.

If you’re within a promotional period, paying off the total amount won’t count towards your 10% overpayment allowance. .If you pay back more than the deferred amount, the excess will be added to any overpayments you’ve made this financial year and will count towards your allowance. You’ll have to pay an Early Repayment Charge if you go over the 10% limit.

The deferred amount will be added to your mortgage balance, and your monthly payment will continue to be as quoted in your letter until you pay the full deferred amount.

Pay now. Please select "Lump sum overpayment" on the form.

Make overpayments to reduce the deferred amount

Make regular overpayments over a period that suits you.

The deferred amount will be added to your mortgage balance and the next payment amount is quoted in your letter. Every time you make a payment to pay off the deferred amount, we’ll recalculate your new monthly payment and confirm what it is in writing. You can make regular overpayments over a period that suits you, to repay the deferred amount. If you’re within a promotional period, this won’t affect your overpayment limit unless you pay more than the amount due. Visit our overpayment page for more information.

You can set up a Standing Order for a set period. You can also make a payment online. Please select “Lump sum overpayment” on the form.

Request to extend your mortgage term by the duration of your payment break

This keeps your payments at a similar level to your previous monthly payment, before you took your payment break. If your interest rate has changed since then, this might be different to the last payment you made. Your mortgage term will increase by the length of your payment break.

Before the term of your mortgage is extended, we will write to you to confirm:

• The amount outstanding
• An estimate of your new monthly payment
• Your current rate of interest
• Whether your interest rate is on a fixed or variable basis

All mortgage holders must confirm they are happy to extend the term by signing the document we send you. It should then be sent back to us as soon as possible. Your monthly payments will remain at the amount detailed in your payment break end letter until we write to you to confirm when the new payment will take effect.

Any overpayments made to pay off the amount you deferred, will count towards your 10% allowance. This means you’ll incur an Early Repayment Charge on any overpayments made above the 10% limit. Visit our overpayment page for more information.

You are about to submit a request for us to extend the term of your mortgage. You have chosen to make this variation on an Execution Only basis, which means that you are satisfied that this variation is suitable for your individual need and circumstances. Term extension requests made in this way mean that we will not assess the suitability of this term extension. If you would like to be protected by the Financial Conduct Authority's rules relating to the provision of advice and the assessment of suitability, please call us on 0345 300 8000* so that you can speak to one of our advisers.

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If your current monthly income is still impacted by COVID-19, and you hope to be able to resume your normal monthly payments soon, a further payment break could suit you. To apply click here.

The deferred amount will still be added to your mortgage balance.  If you do not want us to automatically increase your payments to cover this amount then please get in touch on the number below to discuss this further.

If you don’t think you’ll be able to resume your mortgage payments at the end of your payment break, we can still support you. If you’ve already had a payment break extension and still need financial support, please complete and send us an income and expenditure form. Please call us on 0800 1699722* if you need immediate financial support or longer term help.