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The coronavirus pandemic has caused uncertainty and some business have been forced to close or reduce hours of operation. If your income has been affected, you may be worried about your short-term finances. Many lenders are offering mortgage payment holidays that could help ease some of the challenges if needed. Below is a list of lenders currently offering a payment holiday.

Accord Mortgages

https://www.accordmortgages.com/existing-customers/paymentholiday/index.html

Both residential and buy to let mortgages will be considered without an impact on credit file.

Call: 0800 138 2402  9am–5pm weekdays and 9am–1pm Saturday.

Aldermore

https://www.aldermore.co.uk/mortgages/customer-support/

No specific Covid-19 information

Call: 0330 433 1628

Barclays

https://www.barclays.co.uk/coronavirus/mortgages/

Only available for residential mortgages at present.

Payment holiday form: https://www.apply.barclays.co.uk/forms/paymentholidays/gettingstarted?execution=e1s1

Call: 0800 022 4022 8am-9pm weekdays and 8am-6pm weekends.

BM Solutions

https://www.bmmortgages.co.uk/existing-customers/payment-holidays/

Holiday request form: https://secure.lloydsbank.com/retail/mortgages/bm-mortgages/request-a-holiday.asp?optoutmulti=0:0|c1:1|c3:0|c5:0|c4:0|c2:0&optmessage=1

Call: 0345 300 2627 8am-8pm weekdays and 9am-4pm Saturday.

Coventry

https://www.coventrybuildingsociety.co.uk/consumer/help/important-updates.html

Both residential and buy to let mortgage requests accepted.

Holiday request form: https://www.coventrybuildingsociety.co.uk/content/dam/cbs/consumer/pdf/mortgages/Payment-holiday-form.pdf

Email: mortgageholiday@thecoventry.co.uk

Call: 0800 121 8899 9am-6pm weekdays and 9am–5pm Saturdays.

Clydesdale

https://secure.cbonline.co.uk/personal/coronavirus-information/

Call: 0800 345 7365 8am–8pm Monday-Saturday and 10am–5pm Sunday.

Darlington Building Society

https://www.darlington.co.uk/help/supporting-members-affected-by-covid-19/

Will consider payment holiday requests and penalty-free early access requests to savings in fixed-term or notice accounts.

Email: customersupport@darlington.co.uk with the reference ‘payment holiday’ along with your name and eight-digit account number in the email.

Call: 01325 366 366 9am–5pm weekdays and 9am–12pm Saturday.

Fleet Mortgages

https://www.fleetmortgages.co.uk/covid-19/

Holiday request form: https://www.fleetmortgages.co.uk/wp-content/uploads/2020/03/Payment-Holiday-Request.pdf

Email: mortgageservices@fleetmortgages.co.uk

Call: 01252 916 800

Furness Building Society

https://www.furnessbs.co.uk/coronavirus/

Submit details here: https://www.furnessbs.co.uk/coronavirus/mortgage-repayment-holidays/

Call: 0800 015 8020

Halifax

https://www.halifax.co.uk/helpcentre/coronavirus/Default.asp

Will consider payment holidays on mortgages and loans: https://www.halifax.co.uk/mortgages/existing-customers/payment-holidays/

Holiday request form: https://www.halifax.co.uk/mortgages/existing-customers/payment-holidays/request-a-holiday2/

Call: 0345 850 3705 8am–8pm weekdays and 9am–4pm Saturday.

Hinckley & Rugby

https://www.hrbs.co.uk/22000-coronavirus-how-we-can-help-you/

Will accept requests for residential and buy to let mortgages.

https://www.hrbs.co.uk/mortgage-payment-breaks/

https://www.hrbs.co.uk/mortgage-repayment-holiday-faqs/

Call: 0800 434 6343

Kent Reliance

https://www.kentreliance.co.uk/coronavirus-covid-19-faqs

Call: 0345 122 0033 8.30am–5pm weekdays and 9am–1pm Saturdays.

Kensington

https://www.kensingtonmortgages.co.uk/existing-customers/covid-19

Will accept payment holiday requests.

Leeds Building Society

https://www.leedsbuildingsociety.co.uk/coronavirus-information/

Arrears fee waived, repossessions suspended and mortgage payment holidays available for residential and buy to let mortgages.

How to apply: https://www.leedsbuildingsociety.co.uk/mortgages/mortgage-payment-holiday/

If you are up to date with payments call: 0800 072 8738

If you are already one month or more in arrears call: 0800 072 9739

Call 9am–5pm weekdays and 9am–12.30pm Saturdays.

Monmouthshire Building Society

https://www.monbs.com/mortgages/

No specific information.

Nationwide Building Society/The Mortgage Works

https://www.nationwide.co.uk/support/coronavirus

https://www.nationwide.co.uk/support/coronavirus/mortgage-payment-holiday

Payment holiday request form: https://portal.nationet.com/Forms/Bespoke/Mortgages/PaymentHoliday

The Mortgage Works:

https://www.tmwdirect.co.uk/payment-holidays

Email: SLPaymentholiday@nationwide.co.uk

Include the following:

  • Name
  • Mortgage account number
  • Mortgaged property address

You will also need to state the following:

  • I confirm I am in financial difficulty
  • I confirm I am affected by coronavirus
  • I confirm I understand when my payments start again, my mortgage payments and interest may increase
  • I confirm I have consent from everyone named on the mortgage
  • I confirm I’m happy for The Mortgage Works to reply to me by email

NatWest

https://personal.natwest.com/personal/support-centre/coronavirus.html

Offering payment holidays and other support with respect to loans and savings accounts.

https://personal.natwest.com/personal/mortgages/existing-customers.html

Payment holiday form: https://customerforms.natwest.com/apps/secure/applicationforms_dda/asp/form.asp?appid=126

Newcastle Building Society

https://www.newcastle.co.uk/about-us/society-news/a-message-from-our-ceo-andrew-haigh/

Email: mortgage.support@newcastle.co.uk

Call: 0345 702 3083 9am-5pm weekdays.

Paragon Mortgages

https://www.paragonbank.co.uk/coronavirus

Email: btlcs@paragonbank.co.uk with the subject heading ‘Payment Holiday’ together with full name, home address and contact number.

Call: 0345 849 4060 8.30am–5pm Monday, Tuesday and Thursday, 9.30am–5pm Wednesday and Friday.

Platform Mortgages

https://www.co-operativebank.co.uk/news/2020/coronavirus-support-mortgage-payment-holidays

If you have a Co-operative Bank or Britannia mortgage email: britanniacollections@co-operativebank.co.uk

If you have a Platform, Mortgage Agency Services or Verso mortgage email: opt.plymouth@wmsl.co.uk

Include the following information:

  • Name
  • Postcode and house number
  • Lender
  • Length of payment holiday (up to 3 months)
  • Reason:
  1. Loss of employment
  2. Self-employed – business impact
  3. Reduced hours
  4. Illness/Self Isolating
  5. Child care reasons
  6. Other

Precise mortgages

https://precisemortgages.co.uk/

https://s3-eu-west-1.amazonaws.com/pdf.precisemortgages.co.uk/02744_covid-19_customer_info.pdf

Email your account number and a brief summary to: collectionsenquiries@precisemortgages.co.uk

Principality

https://www.principality.co.uk/coronavirus

Payment holidays available for residential and buy to let mortgages.

Form: https://www.principality.co.uk/en/coronavirus/mortgage-payment-relief

Call: 0330 333 4020

Santander

https://www.santander.co.uk/personal/coronavirus

Requests for residential and buy to let mortgages accepted.

Payment holiday request form: https://mortgagesignup.santander.co.uk/onlinecredential/mortgage-holiday

Call: 0800 023 4603

Scottish Widows Bank

https://www.scottishwidows.co.uk/bank/existingcustomers/financial_difficulty/financial_difficulty.html

No specific coronavirus update.

Those experiencing financial difficulty can call 0800 001 5145 9am–6pm weekdays.

Skipton Building Society

https://www.skipton.co.uk/corona-virus-updates

Email: PaymentHolidayRequests@skipton.co.uk including your mortgage account number and the best number to contact you on.

Call: 0345 850 1711  8.30–6pm Monday-Thursday, 8.30–5.30pm Friday, and 9am–12pm Saturday.

Virgin mortgages

https://uk.virginmoney.com/contact/support-hub/coronavirus/

Mortgage payment holiday request form: https://uk.virginmoney.com/virgin/mortgage-payment-holiday/

Call: 0345 602 8301 8am–5pm weekdays and 9am–1pm Saturday.