If you’re concerned about your ability to make future mortgage payments, we may be able to consider further forbearance, which may include an extension to your payment deferral periods.
If you believe you’re going to experience on-going financial difficulties, please contact us the month before your final deferred payment is due. This will help us to prioritise dealing with customers who have imminent need of further assistance and ensure that you have a full understanding of your circumstances as your current payment holiday comes to an end.
A payment deferral may not always be the most appropriate option for you. To allow us to support you, we’ll need a full understanding of your current household income and outgoings, we’ve worked alongside Paylink Solutions to enable our customers across the Group to complete an on-line income and expenditure form.
Please click here to access the system and the form.
You’ll be directed to an external website where you’ll see reference to all brands within our Group.
Should you have any questions before completing the form please contact us directly.
Once we have confirmation that you’ve completed the process, we’ll review the information provided and call you to discuss if we are able to assist you further, which may include the following options:
- Allowing you to pay Interest Only payments for a short period of time.
- Extending the payment deferral for a short period of time.
- Reducing your payments for up to a further 3 months.
However, the above options are not guaranteed and will be subject to a full review of your circumstances and an understanding of what is going to change to ensure you’re able to maintain payments in the future.
Before you apply for further assistance we strongly recommend that you look at the following information or get independent financial advice if you’re unsure this is the right option for you.
- Money Advice Service coronavirus support page.
- Dealing with financial difficulties during the coronavirus pandemic.
Please also read the information above regarding what a payment deferral is and the impact on your account and what it may mean for you in the future.
There will not be any fees added to your account while you have an arrangement agreed; however, please remember that such an arrangement will be recorded on your credit file.