Supporting customers impacted by coronavirus

We’re doing everything we can to help our mortgage customers to cope with the financial impact of COVID-19. We know that you are all facing very different challenges, so we’ve created several ways to help ease the pressure, until things get back to normal.

If your income has been affected by coronavirus in any way, our COVID-19 support tool will help you to decide which option is best for you and your needs. And if you need our support, we’ll always be on hand to help and make sure that you understand the longer - term impact on your mortgage.

If you're finding it hard to keep up with your payments

We understand the financial impact that COVID-19 is having on our customers, so we’re offering a few different ways we can help. You could ask to make reduced payments, take a full payment holiday or extend your mortgage term to reduce your monthly payment. Use our COVID - 19 support tool to find out how we can help.

Let's find the right help for you

Give us a few details about your situation and we’ll show you all the ways we can help.

Our COVID-19 support tool will help us to find the right solution for your needs.  If you are more than 6 months behind with your mortgage payments, you should call us first to discuss your options.

COVID-19 support tool
 
  • The quickest way to find the help that's right for you. 
    Our telephone and branch advisers are much busier than usual, so we’re creating new ways to get you to the right support as quickly as possible.
  • If you're asking for support for the first time. 
    We’ll explain all the ways we can help and the impact that each one could have on your mortgage.
  • Some extra help if you've already taken a payment holiday
    If you’ve already taken a break, our support doesn’t end there. We have several ways to help if you are still worried about keeping up with your mortgage.

Your options after a payment holiday

When your payment holiday ends, the amount you pay each month will go up. This new monthly amount is to cover the interest charges and payments you missed while you took a break. You might want to consider ways you can get back on track:

Restarting your monthly payments

If you cancelled your Direct Debit or pay by standing order, we can help to make sure you're ready to restart your monthly payments.

Overpay to get back on track

You might want to overpay your mortgage to cover the payments and interest charges you missed. If you make overpayments, you’ll pay less in interest charges over the term of your mortgage.

Extend your term to reduce your payment

After your payment holiday, the amount you pay each month will go up. Extending your mortgage term can help to keep your payments close to what they were before your payment holiday.

Other ways to reduce your monthly payment

You could also consider switching to a new deal if you're eligible.


 

If you need some extra support

Our COVID - 19 support tool is the fastest way to find the help you need. We can also help you to find free, independent financial advice, if you'd like to talk to someone else. 

 

Help with the Covid-19 support tool

If you need some help to use our COVID – 19 support tool, our advisers are ready to answer your questions.

Call us on 0808 143 0183

Our lines are open 9am – 5pm Monday to Friday. 

Free independent financial advice

If you'd like to speak to someone for free independent financial advice, we can help to put you in touch with a number of organisations who will offer support.

Find out more

Extra support and FAQs

Your peace of mind is our top priority, so we've put together a list of questions we're asked most often.

Coronavirus FAQs      Mortgage FAQs

You could lose your home if you don’t keep up your mortgage repayments