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Options for reducing your monthly repayments

Make an underpayment

If you have an overpayment reserve on your mortgage, you can choose to make an underpayment.

Of course, if you’re making overpayments on your mortgage, you can change or stop the amount you overpay.

Switch your deal

If you can still make your mortgage payments, switching your deal – if possible – may help to reduce your monthly payments.

Increasing your mortgage term

Extending your mortgage term is one way to help reduce your monthly payments. However, this is a long term solution. You should only consider it if your financial situation is stable. For example, if your income has permanently changed.

A term change will increase the amount of interest you have to repay overall.

Mortgage payment breaks and holidays

As of 1 April 2021, we are no longer accepting new applications for mortgage payment breaks.

However, if you’re already on a payment break and you need more support, you can apply for an extension.

As long as you are currently on a payment break, you’ll be able to extend it up until 31 July 2021.

This is as long as:

  • it doesn’t go over the 6-month payment break limit, and
  • there are no gaps between the payment breaks.

If you need support with your mortgage payments

Help is available if you’re unable to make your payments. The first step is to provide us with more detail about your financial situation.


You only need to complete the income and expenditure form once. If you've had more than one payment holiday with us - for example, a credit card or loan payment holiday - and you've already completed the form, you don't need to do it again.


To help you complete the application, please have information about your income and outgoings to hand. You’ll also need your mortgage account number.

Once we’ve received your form, we’ll review it and get in touch by phone within 7 days.

Over the phone

If you need to speak to someone urgently, you can call us.

Monday to Friday, 9am to 5pm
Closed weekends and bank holidays

0800 464 30 40