Support for customers impacted by coronavirus

 

Please be assured that we will help all our customers impacted by coronavirus. If you would like to apply for a payment break, please fill in and submit the form below. However, if your payment is due within the next 7 days and you need immediate financial support, please give us a call. We are experiencing high call volumes at the moment though, so it may take a while to get to you.

To apply for a payment break complete the form below, or call us on 0800 1699722*


 

We’ve pulled together a list of our most frequently asked questions which may provide the information you need (as of 24th March 2020).

  • What is a mortgage payment break?
    A payment break is when you temporarily stop paying all or part of your monthly mortgage payment.
     
    Payment breaks are used to address short term cash flow problems. It will not impact your credit file.
     
    If you think you’ll struggle to make your monthly mortgage payments because of coronavirus, we can help by offering a payment break of up to 3 months. You can apply for a payment break by completing the form below.
  • Can I have a payment break?
    We will be able to offer you a payment break up to 3 months if you are experiencing or likely to experience short term issues with your finances as a result of coronavirus. You can apply for a payment break by completing the form below.
     
    Please note that by submitting an application you are confirming that all parties to the mortgage consent to a payment break.
     
    You’ll need to catch up on the deferred payments after the payment break; we’ll contact you nearer the time to discuss your options.
     
    Please call us if your payment is due within the next 7 days and you need this support immediately.
  • Is a payment break right for me?
    It’s important to remember that a payment break is a temporary break from your mortgage payments to help you through these uncertain times. To make sure it’s the right thing for your current situation, there are a few things you need to consider before applying:
     

    1. You will need to agree with us how to catch up on the deferred payments at the end of the payment break period. If you add the deferred payments to your mortgage then your monthly payment will increase. The total amount of interest you pay over the term of the mortgage will increase.
    2. Currently, we offer up to a 3 month payment break. The most appropriate time for you to have a payment break will depend on your personal circumstances.
    3. If you currently have a payment shortfall (arrears) on your mortgage, please call us so we can discuss your options.
  • I was already in arrears before coronavirus and now I am in greater financial difficulty, what should I do?
    A payment break is available for customers experiencing short term financial difficulties caused by coronavirus but we also offer a range of other measures to support you. Please call us to discuss what options are available to you.
  • I /my family are self-isolating, should I contact you?
    If your payment is due within 7 days and you need financial help, please call us. If your payment is not due within 7 days, please call us closer to your payment date or complete the application form below to apply for a payment break. This is so that we can help those that need us straight away, quickly.
  • I am not directly impacted by coronavirus at the moment but have concerns about my mortgage payments if I am impacted. What should I do?
    This is a worrying time for everyone so we will help all our customers who need it. We offer a range of support including payment breaks where appropriate. Please call us if you need help and your payment is due within 7 days. However if you just want a payment break and your payment isn’t due yet, please complete the form below.
  • I still have a question.
    We will help everyone impacted by coronavirus but would like to prioritise customers whose payments are due within 7 days. For immediate financial support, please call us so we can provide you with the help you need. If your payment is not due within 7 days, please call us closer to your payment date or complete the application form below to apply for a payment break.
 
Please note that by submitting an application you are confirming that all parties to the mortgage consent to a payment break.
 
 

Payment Break Application Form


Payment break application form

  • ** We are prioritising customers who are in immediate need of assistance. If you do not need your payment break to start within the next month, please apply nearer the time.
  • Please answer the following questions:
  • Notes:
    • A payment break will not impact your credit file
    • The payment break is for a 3 month period
    • At the end of the period we will be in touch to assess circumstances in order to address the deferred payments
    • Once your request for a payment break has been reviewed, we will contact you with the outcome
    • Processing may take up to 7 days
    • If you are able to make part of your normal mortgage payment to reduce the money you owe then you should consider doing so. This will reduce the total amount of interest you pay over the remainder of your mortgage term.
  • This field is for validation purposes and should be left unchanged.