We understand some of our customers may be worried about making their next mortgage payment. Regardless of when your next payment is due, you can apply for a mortgage payment holiday online, as well as cancel one you no longer need.

Please read the information below to make sure you understand the full details before applying or find out how to contact us if you can’t make your next mortgage payment within the next 10 days.

If you’ve already applied for a mortgage payment holiday please do not apply again.
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If you’re adversely affected by coronavirus, the government has confirmed that you can take a mortgage payment holiday on your residential or Buy to Let mortgage for up to 3 months to help your financial situation.

Taking a mortgage payment holiday, means that you don’t pay your mortgage for up to 3 months and we’ll add those payments to your mortgage balance. 

As a result:

  • your mortgage balance will increase
  • the amount of interest you pay will increase
  • your monthly payment will increase and be recalculated over your remaining mortgage term. 

There’s no fee for taking a mortgage payment holiday.

If you’re currently up to date with your payments, the mortgage payment holiday won’t impact your credit file, and you won’t go into arrears on your mortgage.

Please be aware that if you pay by Direct Debit and your mortgage payment is due within the next 10 days, we may not be able to arrange the mortgage payment holiday for your next monthly payment due to the automated Direct Debit collection process. If not, it will take effect from the following month.

If you don’t pay by Direct Debit, you’ll need to stop making your mortgage payments during your payment holiday.  Please make sure you allow enough time to stop or cancel your payments before they’re due.

Yes, if you take a mortgage payment holiday, we’ll add your monthly payments to your mortgage balance. 

This means that your mortgage balance will increase and the amount of interest you pay will increase for the remaining term of your mortgage. Your monthly payment then increases to reflect this after the payment holiday has ended.

  • Online – regardless of when your next payment is due, it’s quick and easy to apply for a payment holiday. 
  • By phone – if you can’t make your next mortgage payment which is due within the next 10 days, call us on 0800 023 4603. Please be aware that our waiting time may be longer than usual.

Yes, you can apply for a mortgage payment holiday if your mortgage is already in arrears, which means you’re not up to date with your monthly payments.

Your existing arrears balance will still be payable to us and you’ll be charged interest on your arrears which will be added to your arrears balance.

If you already have an arrangement with us to repay your arrears, this arrangement will be cancelled during the mortgage payment holiday. We’ll contact you when your payment holiday ends to agree a new arrangement with you.

Making additional payments
If your circumstances change during or after the mortgage payment holiday period, you can overpay on your mortgage to reduce the balance and therefore the additional interest to be charged. For more information on how to overpay please visit our Manage your mortgage page. Please note if you use Online Banking, you can’t make an overpayment online during your payment holiday period. 

No. Once we’ve processed your request, we’ll pause your Direct Debit, so your mortgage payment won’t come out of your account. When your payment holiday ends, we’ll automatically start taking your Direct Debit again. If you cancel your Direct Debit, we won’t be able to take your new monthly payment which will mean you’ll need to set it up again, and ultimately, it could you lead to your mortgage going into arrears.

Whether you apply for a payment holiday online or by phone, once we’ve received your application, if you’ve provided your mobile number, you’ll receive a text message the next day letting you know we have  your application. 

Once we’ve processed your application, we’ll send you another text message confirming that we’ve set up the payment holiday. We’ll also send you confirmation by post including what it means for your mortgage. Please be aware that there could be delays to the postal service.

Then during your payment holiday period, we’ll write to you after each monthly payment is added to your mortgage balance confirming your new monthly payment.

If you use Online Banking, you’ll be able to see that your payment holiday is active under ‘Manage my mortgage’. You may also note under ‘View transactions’ that it shows an arrears balance at the top next to your outstanding balance during the payment holiday period. You don’t need to worry about this as your account won’t be in arrears as a result of the payment holiday and your credit file won’t be negatively impacted or worsen if you’re already in arrears.

If your mortgage payment was due within 10 days from the date you applied for your payment holiday, we may not have been able to arrange for the payment holiday to start from your next payment due to the automated Direct Debit collection process. You’ll still get the payment holiday period you asked for, but it will start from the following month's payment.

If your mortgage payment was due more than 10 days from the date you applied for your payment holiday and you can still make your next payment, you do not need to do anything. Your payment holiday will start from the following month's payment for the period you asked for. However, if you still need to talk to us about your next payment, please call us on 0800 783 9738 and we’ll help you. Before calling please check first that your Direct Debit has been taken from your account. Please be aware that our waiting time may be longer than usual.

If you’re able to make your monthly mortgage payments for the time being, please carry on doing so. 

However, if your situation is likely to change within the next month as a result of coronavirus, the quickest and easiest way for you to apply for a payment holiday is online. 

Or call us on 0800 023 4603 if you can’t make your next mortgage payment which is due within the next 10 days. Please be aware that our waiting time may be longer than usual. 

If you have more than one Santander mortgage you want to take a payment holiday for, please complete a separate online form for each property.

If you pay your mortgage by Direct Debit and you haven’t cancelled your Direct Debit
The quickest and easiest way to cancel is to complete our ‘Cancel your payment holiday’ form online.

If the date we normally take your mortgage Direct Debit payment is due shortly, then we may not be able to cancel your payment holiday for your next payment. In this instance your Direct Debit will start again the following month.

If you’ve cancelled your Direct Debit or you don’t pay your mortgage by Direct Debit
Please call us on 0800 917 5630 and we’ll help you. Please be aware our waiting time may be longer than usual.

If you originally requested a 1 or 2-month payment holiday and it’s ending soon, you can call us on 0800 783 9738 if you need the payment holiday to continue and we’ll help you.
 
If you originally requested a 3-month holiday and it’s ending soon, we’ll contact you with details of what you need to do next.

Reducing your payment holiday

If you pay your mortgage by Direct Debit and you haven’t cancelled your Direct Debit
The quickest and easiest way to reduce your payment holiday is to complete our ‘Cancel your payment holiday’ form online. 
 
If the date we normally take your mortgage Direct Debit payment is due shortly, then we may not be able to cancel your payment holiday for your next payment. In this instance your Direct Debit will start again the following month.
 
If you’ve cancelled your Direct Debit or you don’t pay your mortgage by Direct Debit
Please call us on 0800 917 5630 and we’ll help you. Please be aware our waiting time may be longer than usual.

If you’ve received a communication from us about your payment holiday ending soon, it’s important that you let us know about your situation even if you’re able to restart your monthly payments. Using the unique reference number found on your communication from us, visit the ‘If your payment holiday is ending’ section of our money worries page and follow the simple steps to tell us about your situation and find out how we can help you.

Please wait for the communication from us with the unique reference number before letting us know about your situation. 

Your first monthly mortgage payment will be for the same amount as before your payment holiday started. 
 
We’ll then write to you to confirm what your increased future monthly payments will be. 

If your circumstances change during or after the mortgage payment holiday period, you can overpay on your mortgage to reduce the balance and therefore the additional interest to be charged. For more information on how to overpay please visit our ‘Manage your mortgage’ page. Please note if you use Online Banking, you cannot make an overpayment online during your payment holiday period. 

You can view your mortgage using Online and Mobile Banking. Online Banking allows you to see useful information as well as make overpayments, explore and secure a new deal for your existing mortgage and borrow more.

Sign up online
If you have a Santander current account, savings account or credit card as well as your mortgage, sign up using your account details.

If you only have a Santander mortgage, sign up here. You'll need your mortgage account number which you can find on your annual statement or on any letter from us about your mortgage.

Sign up by phone
Call our team on 0800 783 9738 and have your mortgage details to hand.

We’d like to reassure you that all our product transfer requests are being reviewed and processed as normal. If you have any questions about your transfer request, please speak to your mortgage broker or a member of our Santander Mortgage Telephony team. We may be busier than usual, so we please ask you not to contact us unless you need to update us about your product transfer. 

Yes, your new deal will start on the date previously communicated to you and  you‘ll receive another email confirming this as well as a completion statement as soon as it starts.

Yes, you can apply for a new deal if your existing deal ends within the next 4 months.

The deals available to you are exactly the same whichever way you apply:

  • If you already use Online Banking, once logged on go to the Manage my Mortgage Hub to review and compare all the new deals available to you. If you’re happy to choose a deal without advice, you can also request your new deal
  • Alternatively, you can change your deal using our Online Mortgage Transfer Service without advice 
  • Contact your Independent Financial Adviser (IFA) or mortgage broker.
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