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A payment holiday is when you take a break from paying all or part of your monthly mortgage payment.
They can help you with short term or unexpected changes to your situation. These could be changes to your employment; maternity or paternity leave; or household or car costs.
We’ll recalculate your monthly payments at the end of the payment holiday and the amount you owe will go up. That’s because even though you miss payments due to the payment holiday, we will still add interest to your mortgage.
If you've made overpayments in the past 12 months then you could underpay instead of taking a payment holiday. You'll need to talk to us before you underpay.
You can apply for a payment holiday if:
You can apply for a payment holiday by calling us. We're open Mon-Fri: 8am-8pm Sat: 9am-4pm.
Remember that if you take a payment holiday the amount you owe will go up.