Corona Virus Information

Following the announcement, opening up the availbility of mortgage payment holidays for those struggling due to coronavirus, we would like to give you some more information.
If you, or someone you know, is worried about making payments on their mortgage, we are happy talk to you and look at your options. It doesn't matter whether you are already a client of ours or not.  
A mortgage payment holiday will help lots of people, but is it right for you? Are there any other options? Please consider these questions before making any request to a lender. If you are not sure whether a payment holiday is your best option, we recommend you talk to us before going to the bank. We will be able to explain exactly would happen in a payment holiday, how this will effect you in terms of the impact on your credit score, and what happens to your future repayments. We can then look at other options and what best suits your situation.
Some lenders are currently not allowing clients to move to a new deal should the current rate end during a payment holiday so this should also be considered.
Please find below a list of the payment holiday information from many of the residential lenders.  If your lender is not listed, or you are looking for information on buy to let lenders, please get in contact.  
Feel free to send me a message and I’ll point you in the right direction. You can email Text/WhatsApp Guillaume on 07966198254 or complete the form at the bottom of the page.

Accord need to make sure that solution we offer is right for individual customer’s circumstances. As we're dealing with extremely high numbers of calls at this time, we need to ensure we're prioritising the customers who need our help the most, so we'd ask you to call us only if you are having difficulties meeting your next mortgage payment. If you find yourself in financial difficulties because of the impact of Covid-19, and are unable to make your next mortgage payment with us, please talk to us on 0345 1200 872 (for residential customers only). We can discuss whether options including a payment holiday on your mortgage might be suitable for you, although this will result in you paying backmore interest on your mortgage overall. In addition, we are currently waiving all of our late payment fees for mortgage customers.

Online Request Form -

We are offering customers the option to reduce or defer mortgages payments for up to 3 months. This means you can pay a lower payment or take a breakfrom payments. You’ll need to make up the payments later in your mortgage term and we’ll work with you to find the best way to do this. There won’t be anyimpact on your credit rating during the period. Some eligibility criteria will apply. We also have other options available, including making overpayments. If you’re able to make an overpayment in the short term you could reduce your monthly payments later on. There are some account terms and conditions and eligibility criteria that applyt o this. We can discuss this in more detail if it’s an option for you. Existing mortgage customers can contact Aldermore on: 0333 321 1000 (selecting option 2, option 1, then option 4) or

Bank of Ireland UK are following UK Finance guidelines and will be offering payment breaks 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. If you would like to apply for a payment break, please fill in and submit the form at - However, if your payment is due within the next 7 days and you need immediate financial support, please give us a call on 0800 1699722. We are experiencing high callvolumes at the moment though, so it maytake a while to get to you.

As a responsible lender, it is crucial that we offer the right support to our customers at this time. We have therefore decided to offer customers who are potentially facing financial difficulty, a number of options to support them through this time. These include Repayment holidays for up to 90 days. We encourage customers to get in contact with us at the earliest opportunity to discuss the most suitable solution.
Existing mortgage customer should contact Barclays on: 0800 022 4022 or complete online form

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 or can email with the following information:

  • Your mortgage account number and sort code

  • Your full name

  • The first line of your address and post code

  • Mobile number

  • Email address

  • A short description of how you have been impacted by coronavirus e.g. reduced working hours or loss of work

We’ll take a look at your request and confirm when this has been processed. Please be aware If you pay by standing order once we confirm the payment holiday has been processed you will need to cancel the standing order for the duration of the payment holiday and ensure this is reset once the payment holiday has finished. If your payment is made by Direct Debit and is due within the next 7 days you will need to arrange for your bank to return the payment on the day that it is due to claim from your current account.

Customers who are up to date with their mortgage payments and not currently in financial difficulty can request a 3 month payment holiday if they need help as a result of COVID 19. Customers will self-certify, disclosing that they are impacted by Coronavirus, we will not be asking for any further validation of this. Providing a payment holiday will not attract arrears or adverse Credit data. Once the payment holiday is over, we will look at options to recalculate deferred payments but will contact the client about this. These deferred payments mean that interest will not be collected on their balance (which is not reducing either). Once recalculated, their payment will increase as the balance + interest on the balance not collected during the holiday will be rescheduled over a slightly shorter term. This applies to Residential and Buy to let lending.

Contact number for clients affected - 0800 121 8899

  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

Will the lender allow a Payment Holiday for existing customers who are experiencing financial difficulty during the Coronavirus outbreak?

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 by filling out our online form:
Existing mortgage customers can contact The Halifax on: 0345 850 3705

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

More information can be found here along with an online form to request a payment holiday.

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

We 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.
Existing mortgage customers can contact Leeds Building Society on: 0345 050 5075 or apply online

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.
Under usual circumstances we would assess the customer’s financial situation and ask them to provide information so that we can consider what forbearance options may be the most suitable. We recognise that these are exceptional circumstances and we want to support our customers, so we are not asking them to provide proof in order for us to consider a repayment holiday. We only ask that they call us so that we can discuss their situation and how we can support them.
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.
Existing mortgage customers can contact Metro bank on: 0345 319 1200

If a customer contacts us to let us know they are have been negatively financially impacted due to the coronavirus/covid-19 outbreak, we will grant them a 3 month payment holiday. For them to be eligible the account must not be more than 1 month in arrears otherwise we would look to support them in other ways in line with our standard arrears management policies.
After the 3 months the payments they would have made are capitalised and added to the total balance of the remaining loan. At this point a recalculation will be done to take in to account the additional balance and generate a new monthly payment for the customer moving forward.
To apply for the payment holiday, customers can call 08004643030 and 0800302011 or apply online at

If your income has been impacted by Coronavirus and you know you are not going to be able to make your monthly mortgage payments, we can offer our existing mortgage customers a 3 month payment holiday.
You can apply for a mortgage payment holiday if:
Your ability to pay your mortgage has been affected by Coronavirus.
You’re up-to-date with all your monthly mortgage payments.
You have consent from everyone named on the mortgage.
A mortgage payment holiday only means a break of up to 3 month from your mortgage payments, and you will need to make up these payments through the term of your mortgage.
Payments to both capital and interest are suspended during the agreed period and interest will continue to accrue during the holiday period. Payments are recalculated at the end of the holiday period to repay the new balance over the remaining term.
There is currently no facility for an Interest Only Switch process for customers on Capital and Interest mortgage contracts.

Apply for a payment holiday online
Existing mortgage customers can contact Natwest on: 0345 302 0190

We’ve launched a new online form on to allow existing residential and Buy to Let customers who are impacted by coronavirus to apply for a mortgage payment holiday. This is the quickest and easiest way for a customer to apply and is currently available to customers who are not in arrears and pay by Direct Debit.
Apply online wherever possible -
Alternatively, existing mortgage customers can contact Santander on: 0800 783 9738

To help customers restore financial stability, customers who have been impacted by Covid-19 will be offered Payment Holidays of up to 3 months where the following criteria is met;
Customers whose mortgage payments are up to date, impacted by Covid-19
Customers who are entering arrears / already in arrears (1-2 months) as a direct result of Covid-19.
Existing mortgage customers can contact Scottish Widows on 0800 001 5145, where they will receive assistance with their request

If your clients with a Skipton residential mortgage are concerned about making repayments as a result of the current Coronavirus situation, we’re here to support them.
We’re currently experiencing a high number of calls, which might be making it difficult for your clients to get in touch, so we’ve set up a dedicated email for customers to contact us and request a call back. Within the email please ensure your client provides their mortgage account number and the best number for us to contact them on. This means they won’t have to wait in a queue. Once a call back has been requested, we’ll be in touch as soon as we can to discuss their individual circumstances, which will include the option of providing a mortgage payment holiday of up to three-months for any residential or BTL mortgages.
In the meantime, we are asking our mortgage customers to leave their Direct Debit in place if they have sufficient funds to cover their regular monthly payment. They can also make a payment by bank transfer using our bank details, which you can find on our Ways to pay your mortgage page.
First and foremost, we’re here to support you and your clients, but please remember our people are also affected by the current situation, so we thank you for your patience and understanding during this unprecedented time.
Existing mortgage customers can contact Skipton on: 0345 850 1711

If you are able to maintain your mortgage payments, you should continue to do so. However, if you have been financially impacted by COVID19 and this is impacting your ability to meet your monthly mortgage payment, then you are able to request a payment holiday up to a maximum of 3 months as long as you are currently up to date with your mortgage repayments without any impact on your credit file. If you are currently in arrears, please contact our financial difficulty team on 0345 835 3374 (open 8am - 7.30pm weekdays and 8am - 12.30pm Saturday), who will be able to support you with alternative treatments.

If you choose to take a payment holiday you will need to be aware that the interest usually charged within your monthly payments will be added to the balance of the mortgage. Your account will be re-calculated at the end of the instalment break and written confirmation will be sent out approximately 2 weeks before your payments are due to restart. The payment will be calculated at that time using your higher balance and spread throughout the remaining term.


Apply online - - Please complete this form if you are experiencing financial difficulties due to the current coronavirus situation, and would like to arrange a mortgage payment holiday.

We’ll take a look at your request and come back to you over the next week to confirm when your mortgage payment holiday will start.

Our contact centres are extremely busy at the moment, so completing this form to request a mortgage payment holiday is the fastest way for it to be put in place for you.
Existing mortgage customers can contact Virgin on: 0345 602 8301

Get In Touch - Corona Virus Help

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Avenir Financial Solutions Ltd, registered in England at 9 Lynch Crescent, Winscombe, North Somerset, BS25 1AS.  Company Number 8799992

Avenir Financial Solutions Ltd is an Appointed Representative of PRIMIS Mortgage Network. PRIMIS Mortgage Network is a trading name of Advance Mortgage Funding Limited which is authorised & regulated by the Financial Conduct Authority for mortgages, protection insurance & general insurance products.  

The Financial Conduct Authority does not regulate some forms of Buy to Let.