We understand some of our customers may be worried about making their mortgage payment. If you’ve not previously requested a mortgage payment holiday, you can quickly and easily apply for one online. You can apply for a payment holiday up to (and including) 31 March 2021. You can also cancel your request if you no longer need any help. 

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 had a mortgage payment holiday in the past and need further support now, please read the FAQ below for details about how to apply. 
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Important information for customers with an interest only mortgage ending between 20 March 2020 and 31 October 2021: find out more
 

Apply for a mortgage payment holiday

If you’re adversely affected by coronavirus, you can take a mortgage payment holiday on your residential or Buy to Let mortgage initially for up to 3 months to help your financial situation. You can apply for a payment holiday up to (and including) 31 March 2021. 

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.

Your monthly payments will increase due to the additional interest payable as a result of your monthly payments being added to your mortgage balance.

Here are some examples of how a 3-month payment holiday would impact the monthly payment on a repayment mortgage. 

Remaining termMortgage balanceInterest rateMonthly increase
25 years£100,0004.34%£9.05
20 years£100,0004.34%£11.82
15 years£100,0004.34%£17.45
10 years£100,0004.34%£32.51
5 years£100,0004.34%£108.73
  • Online – it’s quick and easy to apply for a payment holiday. When your payment holiday takes effect depends on when your next mortgage payment falls. 
  • 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.

If your circumstances have recently changed and you can no longer afford to make your mortgage payments, we might be able to offer you another payment holiday. You’re not able to apply for another payment holiday online if:

  • you’ve already taken a total of 6 months payment holiday in the past or
  • you’re behind on any of your mortgage payments or
  • you’ve got a payment arrangement in place to pay off existing arrears.

If none of the above applies to you, please complete this form to apply for another payment holiday. 

You’ll need your unique reference number which starts with an ‘S’ followed by 11 numbers. We’ll have sent you this number when you came to the end of your first payment holiday (on the letter, it can be found on the right-hand side under Santander’s address). If you still have the email we sent you, it’s on the left, above your name. It can also be found towards the end of the text message we may have sent to you.

If you’ve had a total of 6 months payment holiday in the past, or you’re behind on your payments, you’ll need to speak to us. Before you do, please fill in our budget planner (you’ll need the same unique reference number mentioned above). Once you’ve completed our budget planner, you can call us on 0800 085 1226 for Santander mortgages or 0800 731 7553 for Alliance & Leicester mortgages, where we can discuss the options available to you. If you’ve already filled in our budget planner in the past, you don’t need to do it again. Please call us so that we can find a way to help you.

If you’ve lost your unique reference number, please type ‘uniquereference’ into the ‘Chat with us’ banner on the right. 

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.

Here’s how we’ll keep you up-to-date:

  • Application receipt – if you’ve provided your mobile number on the form, you’ll receive a text message the next day letting you know we have your application. 
  • Set-up confirmation - once we’ve set up your payment holiday, we’ll send you another text message confirming this. 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.
  • During your payment holiday - we’ll write to you after each monthly payment is added to your mortgage balance confirming your new monthly payment.
  • At the end of your payment holiday – before you restart your payments, we’ll send you an email or text message (if you gave us your email address or mobile number) and a letter outlining what you need to do next. Please wait for the communication from us with the unique reference number before letting us know about your situation. 

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

Cancel or amend my mortgage payment holiday

If you pay your mortgage by Direct Debit and you haven’t cancelled your Direct Debit

The quickest and easiest way to cancel your existing payment holiday is to use this form or to log in to Online Banking.

If the date we normally take your mortgage Direct Debit 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 want to make an overpayment to your mortgage, you can find details about how to do this on our ‘Manage your mortgage’ page. 

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.

Extending your payment holiday

If you’re coming to the end of your payment holiday, we’ll contact you with details of what you need to do next. Based on your individual circumstances, we may give you the option to extend your payment holiday to 6 months in total.

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 either on santander.co.uk or in Online Banking. 
 
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.

It depends on how many months’ payment holiday you already requested in total. 
 
If you asked for a total payment holiday of 5 months or less, you can apply to extend your payment holiday up to a total of 6 months.
 
If you asked for 6 months in total, and you’re worried about restarting your monthly payments, we’ll help you.

In all cases, please wait for the communication from us about your payment holiday ending, which contains a unique reference number. Then visit the ‘If your mortgage 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.

My mortgage payment holiday is ending soon

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 mortgage 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. 

If you need further help and support when your payment holiday ends, please go to our money worries page to find details of what to do next. 

Your payment holiday will automatically end after the agreed payment holiday period. Your Direct Debit will restart or if you pay in another way, you’ll need to restart your payments. If you’ve cancelled your Direct Debit, you need to set it up again. If you don’t restart your payments, the missed payments will be reported to the credit reference agencies, which will have a negative impact on your credit file.

If you feel concerned about making a payment, please visit our money worries page.

Your unique reference number starts with an ‘S’ followed by 11 numbers. On the letter this can be found on the right-hand side under Santander’s address. In the email it is on the left, above your name. It can also be found towards the end of the text message.
 
If you’ve lost your unique reference number, please call us on 0800 917 5630 and we’ll be happy to give this to you. 

Manage my mortgage

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 ‘Manage your mortgage’

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.

Change my deal

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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