COVID-19 Mortgage Payment Holidays - Find your Mortgage Lender below and what they say about this:

Updated: Apr 7


In this time of uncertainty, I have had a number of clients ask how they can access the 3 month payment holiday being offered by lenders if they are suffering financially as a result of the coronavirus.


I have listed below (over 70 lenders) the information we have regarding each lender's policy and process, including telephone numbers and direct links to apply (where available). As the situation is ever evolving, I will try to update this page as further information becomes available. If your lender is not listed, as soon as we have updated information we will add them


The Financial Conduct Authority said on Friday 20th March that lenders must allow mortgage borrowers affected by the coronavirus to take a three-month payment holiday if needed, even if they are in arrears. It said that lenders must not charge borrowers extra for taking a payment holiday and they must ensure that it does not negatively affect their credit file.



Visit Accord Mortgages Covid-19 webpage for more details on the payment holiday, including a link to get in contact with them. Currently they do not have the online facility to apply


Residential Customers

The number you'll need to call us on is 0345 1200 872.


Buy to Let Customers

The number you'll need to call us on is 0345 848 0225 (Buy to Let customers only).


Lines are open Monday-Friday 8am-5:30pm and Saturday 9am-1pm.



We recognise that some of our customers could experience financial difficulties in the coming weeks due to coronavirus-related disruption.


We will work with each customer on an individual basis to assess what help is available to help them manage their finances.


We would encourage any customers who think they may be affected to contact us as soon as possible.

Existing mortgage customers can contact Al Rayan on: 0808 231 2906



Visit Aldermore Mortgage Payment Holidays for COVID-19 for full details on this. This include an application to apply which you can fill out and email to mortgagepayments@aldermore.co.uk


Bank of Ireland UK are allowing you to apply online for the 3 month payment break due to COVID-19 which you can access by clicking this link here.


Please make certain that you read full details on their page before applying


Existing mortgage customers can contact Bank of Ireland on: 0345 300 8000


Barclays have full information about their 3 Month Mortgage Payment holiday here


You can also access their Payment Holiday Form here to apply for your 3 month payment holiday


At the moment we are speaking to customers on a cases by case basis. Customers should contact us directly if they are worried about their circumstances.


Existing mortgage customers should contact Bath Building Society on: 01225 475719



Information regarding our policy on Mortgage Payment Holidays will be published on our website by the end of this week



Call us on 0345 602 2828 as soon as possible if you are having issues paying your mortgage. You should also contact us if you think that you may be in financial difficulty in the near future.


You can now request as payment holiday from BM Solutions by completing their online form here


You can also read more information about Payment Holidays by clicking here


The Society is committed to supporting members in financial hardship through these difficult times and will absolutely commit to offering the 3 month payment holiday facility. We are currently looking at how best we implement this operationally and how we communicate with our members. We will be logging all requests and will come back to the member with confirmation as soon as possible.


Existing mortgage customers should contact Buckinghamshire Building Society on: 01494 879517



We know Coronavirus is leaving some people unsure of whether they’re going to be able to rely on their income. If you’re concerned about whether you’re able to make your mortgage payments please contact us as soon as possible, we have a supportive team who can help you. Contact the team on 0345 601 3344 or take a look at our payment difficulties guide.





Borrowers who may be experiencing mortgage payment difficulties as a result of Coronavirus should contact us at the earliest opportunity to discuss the range of payment options available. This can be done by completing this form and emailing to mortgages@chorleybs.co.uk Upon receipt of this the Society will confirm next steps to them.If required, borrowers will be able to take a 3 month payment holiday. During this period, if they wish they will be able to make a nominal payment to their account or the equivalent of interest only by standing order.If the above arrangements are put into place this will not be recorded on the customer’s credit file. However, in the scenario that a customer doesn’t contact us and misses payments or has payment shortfalls these will continue to be recorded with the credit reference agencies.


Existing mortgage customers can contact Chorley on: 01257 235001




If you've been affected by coronavirus (due to illness or self-isolation) and are worried about what this might mean for you financially, there are things we can do to help.


Please get in touch with us as soon as possible so we can discuss your individual circumstances and find ways in which we can support you. The sooner you contact us, the more we can do.

Existing mortgage customers can contact Clydesdale on: 0800 121 4203

We know that you might have concerns about your finances at this time. A payment holiday of up to three months on your mortgage may give you some flexibility. For residential mortgages, the payment holiday will apply if you’re up to date on your payments, not in arrears, and you can confirm that you’ve been affected – directly or indirectly – by Coronavirus. For buy-to-let mortgages, it’ll apply if you’re up to date with your payments, not in arrears and you can confirm that your tenants are having difficulty in paying their rent due to Coronavirus. Taking a mortgage payment holiday at this time will not affect your credit rating, but the interest will accrue in the holiday period.  You’ll need to make up deferred payments in the future.  For example, with a capital repayment mortgage of £100,000 over 25 years at our Standard Variable Rate of 4.49% interest, your monthly payment after a 3 month payment holiday will increase by £9.30. What you need to do

  1. If you’re not in arrears and ready to arrange an immediate payment holiday the quickest way to do this is by downloading and filling in our online mortgage payment holiday form (Save locally before completing the form.  Alternatively you can print and complete the form by hand, then scan and email it to us if you are having any issues.)

  2. Then simply email the completed form to mortgageholiday@thecoventry.co.uk


Once you've done this, we'll action it immediately and there is nothing more we need from you.  If you're already behind on your mortgage payments, please call us. 



You can request a Mortgage Payment Holiday if you are suffering financially due to COVID-29 by clicking this link and completing their online form



Yes we will support the 3 month payment holiday with each request being considered on a case by case basis.


Anyone concerned will need to contact our financial support team as soon as they can by emailing customersupport@darlington.co.uk titling their email “Payment Holiday” and quoting their name and 8 digit account number in the email. Alternatively, Existing mortgage customers should contact Darlington on: 01325 366366


Darlingtons page showing all the FAQs about payment holidays can be accessed here



If you are struggling to make a repayment on your mortgage as a result of COVID-19, please get in touch with us as there are a number of ways we can help you. We’ll discuss your specific situation and look at the best options for you, which could include a payment break of up to three months. Contact us


Existing Mortgage customers should call the support team on: 03333990050



We recognise that these are unprecedented and difficult times for our borrowers. For any mortgage members concerned about meeting their mortgage repayments at this time please contact our Mortgage Servicing Team at the earliest possible opportunity to discuss what options are available to you.


You can visit their dedicated web page with full details regarding COVID-19 by clicking here

Customers can call our Mortgage Service Team on 03330 140 146 to discuss all options.




We understand that recent developments around Coronavirus (COVID-19) will be concerning. Our priority is to look after our colleagues, intermediaries and customers, and we have put in place measures to support our brokers and customers during these challenging times.


If you are a Landlord and think you’ll struggle to make your monthly mortgage payments specifically because of Coronavirus, we can help you by offering a 3-month payment holiday.


If you are concerned about making your mortgage payments during this time you should contact us as soon as possible. You will not need to complete an application; you will just need to self-certify that your income has been either directly or indirectly impacted by Covid-19.


You will need to self-certify that your tenant’s income has been impacted by Covid-19. Landlords are expected to pass on this relief to their tenants to ensure that they are supported during the Coronavirus crisis.


Existing mortgage customers can contact Fleet Mortgages on: 01252 916 800



We understand that during the current environment you may have concerns over your mortgage payments.


Please be assured that we will work with you to find the right solution for you during these difficult times. If you have any questions or concerns, please call us on 0344 770 8030. As you can imagine, we are experiencing high call volumes so please be patient. Alternatively you can contact us by email at am@foundationhomeloans.co.uk.



We will be offering residential mortgage customers the opportunity of a three month mortgage payment holiday.


The customer would need to call 0800 015 8026 and we would need to capture the reasons why they are looking to take up this offer to fully understand this is the best solution for them. Customers would need to be aware that interest/fees will still accumulate on the mortgage and at the end of the three month holiday payment the monthly mortgage payments will increase as a result of the three month payment holiday. This will not have an adverse effect on their credit report.



In the current circumstances we remain focused on our customers.

We understand that the Coronavirus risk may result in our customers needing additional support and we will look to be as responsive as possible.


Specifically, for homebuyers and landlords facing financial difficulty, we will help assess their needs to find a suitable payment strategy, which will include providing a payment holiday, if necessary. In addition, savers facing hardship will be able to access funds deposited in our notice or fixed term accounts at short notice and with no penalty.


The above is very much in line with the Bank’s existing policies to support customers experiencing issues.


We would encourage any customer that is facing financial difficulties to contact us to discuss how we can support them.


Existing mortgage customers should contact Gatehouse Bank on: 020 7070 6984 or 020 7070 6981




As the impact of coronavirus is felt across the UK, you may be worried about how it could affect you and your home. Your peace of mind is still our top priority, so we’ve created some extra ways to help, if you need it.


If the coronavirus has affected your income, you may wish to take a mortgage payment holiday. You can ask to take a break of up to a maximum of three months.


Can I take a payment holiday?

You can apply for a payment holiday if:


  • you have a joint mortgage, everyone agrees to the payment holiday.

  • your mortgage payments are up to date.

  • If your mortgage account is in arrears, we have other ways of helping you. Please visit our financial difficulty page to find out more.


How will this impact future Mortgage Payments?


At the end of the payment holiday, we'll recalculate your monthly payments 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.


You can request a Payment Holiday by clicking this link here


We will work with every borrower during these difficult times to support them through their mortgage payments. We have a range of forbearance measures including interest only and payment holidays, which will be discussed on a case by case basis with each borrower.


As always we urge borrowers to contact us as soon as possible in the event of difficulty to ensure the best solution is put in place.


Existing mortgage customers should contact Hanley Economic on: 01782 255000




We encourage you to contact us and we will offer as much support as we can, and provide payment relief where possible. You can contact us by calling our Mortgage team on 01582 463133.


We expect the COVID-19 disruption to continue for some time and we are aware that our borrowers may be financially impacted. If you are experiencing or foresee any financial difficulties, our advice is to get in touch with us as soon as possible using our website. We will look at every customer’s situation on an individual basis to determine what solutions we can offer and will allow a 3 month payment holiday for anyone who is affected by COVID-19 as per the recent UK Finance guidelines.


Please visit the Society’s website using this link to speak to us. https://www.hrbs.co.uk/contact/


Existing mortgage customers can contact H&R on: 0800 434 6343

For existing customers, if you are impacted financially by Coronavirus (COVID-19) and have any concerns, please contact us and we will seek to offer help and advice with any queries you may have.


Existing mortgage customers can contact Hodge on: 0800 731 4076


You can read about applying for a payment holiday with HSBC here and also make an application for the payment holiday directly by completing their online form here





If our buy to let mortgages clients are facing difficulty, we encourage them to get in touch as soon as possible. InterBay Commercial will support buy to let customers that are experiencing issues with their finances as a result of Covid-19, including a payment holiday of up to three months.


Existing mortgage customers can contact InterBay Commercial on: 03458 787000 (select option 3 then option 1)


Affected borrowers who are up to date with their mortgage payments and seeking a mortgage payment holiday are asked to complete and return our self-certification request form (which will shortly be available) by post or by email to paymentqueries@ibs.co.uk (we suggest using secure email where possible). Agreed arrangements will not be reported to credit reference agencies.


Please note borrowers who are already in a payment shortfall or arrears will need to contact us in the first instance to discuss the options available.


To get in touch with our mortgage payments team please call us on 0330 123 0773 or email us at paymentqueries@ibs.co.uk



Rest assured that we will do what we can to help and are already working with customers to offer a whole range of solutions to meet their needs, including where appropriate, payment holidays.


They have an FAQs page for COVID-19 which you can access by clicking here


Existing mortgage customers can contact Kensington on: 0800 111020


We have agreed to support customers who are facing difficulties, as a direct result of COVID-19. Customers will need to contact Kent Reliance to discuss on what basis they are experiencing difficulties. We will then be able to explain the process and impact of a potential payment holiday, agreeing the right course of action to ensure we are working closely with our customers.


Existing mortgage customers can contact Kent Reliance on: 0345 671 7274



Landbay wants to support customers who are facing difficulties, as a direct result of COVID-19. Existing mortgage customers will need to contact our servicing team to discuss their circumstances. We will then be able to explain the process and impact of a potential payment holiday and agree the right course of action. Existing mortgage customers can contact the servicing team on 03300536825 Contact them at this page here


They have a number of options that can help anyone experiencing financial difficulties and will work with borrowers to agree a solution that meets their circumstances.


For specific information regarding payment difficulties due to COVID-19 please click here to be taken directly to their page and they have an online form for a payment holiday too


Existing mortgage customers can contact Leeds Building Society on: 0345 050 5075




If you have been financially impacted by Coronavirus and you’re worried about how you’re going to pay your mortgage, please contact us. We’re here to help with a range of available options for you. You may wish to:


  • Agree a payment holiday of up to three months as outlined in the Chancellor’s address on Tuesday, 17 March 2020.

  • Agree a reduction on your monthly payments for three months.

  • Extend the term of your mortgage to reduce the monthly payments.

  • Change the way you make your payment or the date of your direct debit.


Together we can review your individual circumstances to find a solution that is right for you.

Please get in touch with us to discuss any concerns you may have so we can work to find the best solution for you at this difficult time.


Call us 0800 783 0847 Email us at leeksupport@leekunited.co.uk




The Society understands that some of its borrowers may find themselves in financial difficulty as a result of issues associated with Coronavirus. We would encourage any borrower who is experiencing difficulties to contact us as soon as possible. To support borrowing members, whether they are impacted directly or indirectly by Coronavirus, Mansfield Building Society like many other mortgage lenders will consider offering a payment holiday for up to 3 months to those members who are up to date with their mortgage payments and are experiencing issues with their finances as a result of Coronavirus.


This may not be the right solution for you and so any member who is concerned about their current financial situation should get in touch with us at the earliest possible opportunity to discuss what options may be suitable for them.


The Society’s friendly and experienced staff will look to understand each customer’s individual circumstances on a case by case basis to help you reach the most appropriate solution. Please contact us on 0800 092 8564 or 01623 676344 for advice or support, or by e-mail to mortgages@mansfieldbs.co.uk


Market Harborough Building Society has Mortgage Specialists on hand to offer assistance if customers are being affected by COVID-19 (Coronavirus) and are concerned about making forthcoming mortgage payments.


You can click this link to be taken directly to their page for COVID-19 and if you have an online account with them you can sign in here for your online account.


The Society can offer various potential solutions and encourage customers to contact us directly and discuss options available to them based on their individual circumstances.



We recognise that the coronavirus outbreak will cause significant financial difficulty for many people. Existing customers should get in touch and we can explain the process.


You can download their FAQs document here for COVID-19 and mortgage related queries


You can also email them at servicing@masthaven.co.uk or call them on 0207 036 2012




We understand that some customers may be worried about the effect that contracting the Coronavirus (COVID-19) could have on their finances, for example due to a drop in income as a result of contracting the virus or because of the measures imposed to stop it spreading. If you have any concerns about how this could affect you and your mortgage, please click here to read the leaflet produced by the Building Societies Association and National Debtline or please get in touch on 01664 414141.



In line with the announcement from UK Finance, customers with a Metro Bank mortgage will be able to request a three month repayment holiday where they are experiencing issues with their finances as a result of coronavirus.


Metro Bank mortgage customers experiencing issues with their finances as a result of the coronavirus are encouraged to contact our Mortgage Servicing Team by emailing mortgageservicing@metrobank.plc.uk and quoting their mortgage account number and monthly payment date. We will aim to be in touch within 7 days. More information can also be foundhere


This measure covers residential mortgages and buy-to-let mortgages for landlords whose tenants are experiencing difficulty due to coronavirus. Customer who are already in arrears may not be eligible for a payment holiday, but there are other ways that we can support them so we encourage them to get in contact.

We continue to support members affected by coronavirus on a case-by-case basis and that includes offering payments holidays where needed. These will not be registered as arrears on the credit file.


Existing mortgage customers can contact Nationwide on: 03457 30 20 11


You can read more on their dedicated page here which includes an online application form to apply for the payment holiday at the bottom of the page



How to apply for a payment holiday:

The quickest way to apply for a mortgage repayment holiday is to complete our online form: Mortgage holiday payment form here

Before you submit the form, please make sure all the information is correct. If not this will cause a delay in dealing with your payment holiday request.

Once you have submitted the form we will review your request and within 5 days we will email you to confirm when your payment holiday will take effect. We will include a projection of what your mortgage payments will be after the holiday period ends.

Please note if you have a payment due in the next 14 days, we may not be able to amend this payment, we will confirm this in the email.

Here are some things to consider before applying for a payment holiday:

  • At the end of the holiday your monthly payments will be recalculated and you will see an increase in your monthly payments.  We’ll give you an estimate of what that will be before setting up your break

  • The total amount of interest you pay over the term of the mortgage will increase.




We are open for business but please bear with us as we adapt to the impact of Covid19 (Coronavirus)


The Society is monitoring the outbreak of Covid19 (Coronavirus) closely to ensure we are taking the necessary steps to protect our colleagues, maintain our services and support our customers. We expect the Covid19 disruption to continue for some time and although the effects should be temporary, we are aware that our borrowers may be financially impacted. 


To support borrowing members, whether they are impacted directly or indirectly by the Covid-19, Newbury Building Society like many other mortgage lenders will offer a payment holiday for up to 3 months to those members who are up to date with their mortgage payments and are experiencing issues with their finances as a result of the Covid-19. There are other solutions available.


Please refer to the information provided to borrowers on our website.


Please bear with us

Due to the impact of Covid19, our Customer Service Teams in branches and head office are experiencing higher than normal volumes of calls and transactions.


We would like to thank you for your patience and will deal with enquiries as soon as we can. In these difficult times, we remain focused on providing you with the excellent service and support you have come to expect of us, and we thank you for your continued loyalty.


Our Helpdesk remains open and the team is contactable to help with any mortgage cases you may have.


Please continue to check www.newbury.co.uk for the latest updates.


In line with the package of financial support announced by the Chancellor of the Exchequer, we are committed to support customers who experience difficulty with mortgage payments as a result of coronavirus. This includes payment holidays for a minimum of three months.


If you are concerned about your financial situation please get in touch with us at the earliest opportunity; we have a range of options that we can consider in order to provide the support you need.


You can email: mortgage.support@newcastle.co.uk or call our helpline number on: 0345 702 3083. Lines are open from 9am to 6pm Monday to Thursday, and 9am to 5pm on Fridays.





They have a page with full details which can be accessed by clicking here and you can also call them on 0800 953 0063


We are urging mortgage customers who are affected by Coronavirus, due to illness, self-isolation or any other factor, and are worried about future payments, to contact us. There are a number of ways we could help including;


• Changing the way payments are made or the date they are paid

• Agreeing on reduced payments for a period

• Arranging a new payment plan

• Look to increase a mortgage term to a longer period of time to reduce monthly payments

• A payment holiday of up to three months with interest capitalised at the end of the period and assurance that there will be no adverse effect on their credit record during this time


Mortgage customers experiencing serious financial difficulty because of coronavirus are being encouraged to contact our Customer Support Team on 0344 481 4444 or via email to customer.services@thenottingham.com to go through their individual circumstances and discuss the best options to help.



These are challenging times, if you are financially impacted by Covid-19 (Coronavirus) and concerned about your ability to make your mortgage repayments, we are here to help.

Our team is available to discuss your circumstances and find a solution to help resolve your financial difficulties.


We will work with you to gain a full understanding of your situation and the effect it might have on your ability to pay your mortgage.  We can assure you; each situation is reviewed on its own merits on a case-by-case basis.  Our Team are very experienced in this area with several solutions depending on your circumstances available to address temporary or permanent financial difficulties. 


Please contact us by calling 03330 142 046

(Open 9am to 6pm, Monday – Friday, exc. Bank Holidays)

Following the government's  announcement regarding payment holidays, we are experiencing high call volumes.  If you would like to talk about a payment holiday, please email customerservice@engagecredit.com with your mortgage number in the subject and we will aim to contact you within the next 7 days.


The Bank already have policies which are aimed at supporting customers who find themselves in financial difficulty, regardless of the reason. These policies apply to customers who are self-employed as well as those on PAYE.


We will be applying these policies on an individual basis to ensure the best outcome for customers throughout this difficult period. The process we apply for a deferred payment (payment holiday) does not adversely impact upon the customers’ credit status and no credit reference agency reporting is generated as a result of having an arranged payment holiday.

Post Office Money are following UK Finance guidelines and will be offering mortgage payment holidays up to 3 months to those that need it.


We’ll provide this option to your customers that have residential and Buy to Let Mortgages.

The payment breaks offered by the Bank will not affect customers’ credit files at the Credit Reference Agencies.


You can access their online form (Bank or Ireland) by clicking this link


Precise Mortgages has agreed to support customers who are facing difficulties as a direct result of Covid-19. Customers will need to contact Precise Mortgages to discuss on what basis they are experiencing difficulties. Precise Mortgages will then be able to explain the process and impact of any potential payment holiday, agreeing the right course of action to ensure we are working closely with our customers.



Principality Building Society will consider up to a 3 month payment holiday should they be unable to make their next mortgage payment.


Customers should contact - arrearsreferrals@principality.co.uk

Existing mortgage customers can contact Principality on: 0330 333 4000


Any Saffron customers directly affected should contact the customer services team as soon as they can, in confidence, on 0800 072 1100 and select Option 2 then 2, or visit the Saffron Building Society website.


If you’ve been financially impacted by the Coronavirus you can click this link and go directly to their page to request the Payment Holiday Online for up to 3 months. Please read their conditions before applying




If you are having difficulty paying your mortgage as a result of the coronavirus outbreak, please contact our mortgage team to discuss your options. You can email us at homortgages@scotbs.co.uk





At Shawbrook we are committed to supporting all of our customers, not least those experiencing difficulties as a result of the current situation. We will provide whatever support we can to help them through this period. As always, every customer case will be considered on its own merit and we encourage those with concerns to get in touch as early as possible via the contact details below.


Existing mortgage customers can contact Shawbrook Bank on: 0345 600 7681



Visit their dedicated webpage here for details, including the facility to webchat and arrange a video appointment


You can also call them on 0345 850 1766 or email paymentholidayrequests@skipton.co.uk



We will be speaking to credit reference agencies to ensure consistent treatment of those customers to whom a repayment holiday is made available.


We recognise that these are unprecedented and difficult times for customers. This is why we are offering customers who are up to date with their mortgage payments and impacted by COVID-19 the ability to self-certify if they need help. We will commit to help customers the best way for the individual, but an automatic payment holiday may not always be the most suitable approach and may not be required by all customers.


Should the customer wish, we could conduct a full assessment of their finances. It’s therefore important that customers who believe they may be impacted by COVID 19, either directly or indirectly, contact their lender at the earliest possible opportunity to discuss if the payment holiday is a suitable option for them.


Existing mortgage customers can contact Stafford Railway on: 01785 223212


The Society understands that some of its members may find themselves in financial difficulty as a result of issues associated with Coronavirus. We would encourage any borrower who is experiencing difficulties to contact us as soon as possible.


The Society’s friendly and experienced staff will look to understand each customer's situation on a case by case basis to help you reach the best solution based on your individual circumstances. Please contact us on 01792 739110 for advice or support.


Any customer experiencing financial difficulties should contact the Society on 0800 783 2367 to discuss both their personal situation and the options that may be available to them.



The Mortgage Lender have a dedicated Covid-19 hotline 0344 257 0427 for customers who will be unable to make their next payment. We ask that only customers who are concerned about making their next mortgage payment contact us so we can help those most in need.


A payment holiday can be granted to customers who are impacted directly or indirectly by the Covid-19 outbreak a payment holiday of up to 3 months.



Yes, self-certification of their need for help (payment holiday) will be accepted as long as the customer is currently up to date with their mortgage payments. Customers who prefer to go through a proper assessment to find a more suitable solution such as reduced monthly payments or interest only, are encouraged to contact us directly to consider their situation on an individual basis.


Existing mortgage customers can contact The Tipton on: 0121 557 2551




Coronavirus: Mortgage payment holiday


If your client thinks they’ll struggle to make their monthly mortgage payments because of Coronavirus, we can help them by offering our customers a 3-month mortgage payment holiday. A mortgage payment holiday is a break from paying their mortgage. It won’t affect their credit rating, so there’s one less thing for them to worry about.


You can see more information on their page TMW Mortgage Payment Holiday on this page, or complete the TMW payment Holiday application form here


Yes, as per government policy we will grant a 3 month payment holiday to anyone wanting to self-certify that they are impacted by COVID-19. No additional evidence or financial statement are required.


Existing mortgage customers can contact Together on: 0333 455 2305



A 3 month payment holiday is available to all buy to let and residential customers. The best way of approaching TSB is via the following link:


https://www.tsb.co.uk/mortgages/existing-customers/flexible-features/




Vernon will consider granting a 3 month payment holiday during the Covid-19 outbreak. They will consider this is a customer is experiencing financial difficulty directly or indirectly as a result of the virus. No fee is applicable.


The missed payments will be capitalised on Capital and Interest, the term will be increased on Interest Only. Mortgage Payment holidays will not affect credit score. We generally won't accept an application for a payment holiday if the customer is already in arrears. There are other forebearance measures available and these will be discussed with clients on a case by case basis.


Existing mortgage customers can contact Vernon Building Society on 0161 429 4303

We recognise these are worrying times for many people and we are committed to supporting our customers as much as we possibly can.


Belmont Green has a well-established forbearance policy in place to assist vulnerable customers. We will use this policy to support customers affected by the epidemic to ensure a fair customer outcome in each case.


We will consider each case on its individual merits to ensure we get the best tailored outcome for each customer. We will carry out a full assessment before considering the appropriate measures needed. We can reassure our customers we will be doing all we can to ensure we achieve a fair outcome for them, based on their own individual situation.




If the client does not come to an agreement with us and does not make their monthly mortgage payments, the amounts would be reported to the credit reference agencies in line with our existing processes.


Existing mortgage customers can contact The West Brom on: 0345 241 4526

Customers should contact us directly if they are worried about their circumstances. Existing mortgage customers should contact HSBC on: 03457 404 40411





We understand that these are uncertain times, and many of you may be worried. We want to assure you that looking after our customers and colleagues is our number one priority, and we are closely following advice from government and the relevant authorities to make sure that we are prepared.


If you’re concerned about being affected financially or being unable to get to the bank due to coronavirus (COVID-19), we’re here to help and can offer payment holidays on Mortgages, and Loan deferral for up to three months.

You can request the three month payment holiday by completing an online form here





We already have policies in place to help borrowers who fall into financial difficulty, and this includes circumstances caused by Coronavirus. We have also signed up to the UK Finance led agreement to support customers who have been financially impacted due to Coronavirus. This help includes allowing members to reduce or defer mortgage payments for up to three months if needed.


Further information can be found on our intermediary website https://www.wbfi.co.uk





If you have been affected by the Coronavirus (Covid-19), flooding caused by recent storms, or the airline Flybe going into administration we understand that this could be a worrying time for you.


Please contact us if you are having payment difficulties, we will support you as much as reasonably possible.


Existing mortgage customers can contact Zephyr Homeloans on: 0370 707 1896



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