Our lines are really busy at the moment, so hold times are much longer than we’d like.

Please only call us if it's urgent

Applying online is the quickest way to apply for a mortgage payment break.

What is a mortgage payment break?

If you're struggling to make your monthly mortgage payments because of coronavirus, we can help by offering our members a 3-month payment break.

A mortgage payment break is a 3-month break from paying your full mortgage payments.

You'll be able to apply to either:

  • Take a full break from making your monthly mortgage payments; or
  • Make reduced payments during your payment break.

If you’ve already taken a mortgage payment holiday, you can still apply for a mortgage payment break.

We’ll continue to offer mortgage payment breaks until at least 31 October.

Is a mortgage payment break the right option for me?

If you’re thinking about a mortgage payment break, it’s important to know that:


  • Interest will continue to build at your usual interest rate during the payment break. This means your monthly payments at the end of the break will be higher and  the total amount of interest you’ll pay over the term of your mortgage will go up, increasing the overall cost.
  • Taking a payment break won't affect your credit rating. But  lenders may ask about your payment history and take this into account when making future lending decisions.
  • There  might be  other ways to  reduce  your  mortgage  payments. Some of these may be more suitable for your situation. You can see  the  full range of options  in our Home Support Hub.

For more advice on taking a mortgage payment break, visit the Money Advice Service.   You can also find information that may help you with your decision, and links to free independent debt advice, in the frequently asked questions at the bottom of this page.

If you’re not struggling to pay your mortgage because of coronavirus, and you’re still able to make your mortgage payments, then you should continue to do so.


Coronavirus (COVID-19) help and support

We’re here to help if you have any worries regarding coronavirus whether it’s money, managing your accounts, getting to branch or fraud.

Before you apply

You must have consent from everyone named on the mortgage. 

To help you complete the application, please have information about your income and outgoings to hand.

Apply for a mortgage payment break

Applying online is the quickest way to apply for a mortgage payment break as our phone lines are very busy at the moment.

Please only call us if it's urgent

If you’re unable to apply online, or need to speak to someone urgently, you can call us on 0800 30 20 11 (9am to 5pm Monday to Friday).

Please note: our phone lines are extremely busy at the moment, so hold times are much longer than we’d like.

Your mortgage may be with another company within the Nationwide group. If so, you should contact them directly:

Mortgages with The Mortgage Works, DHLL, or EMEX

Mortgages with UCB

Your mortgage might be through Nationwide Commercial. If so, you should contact them directly:

Nationwide Commercial

Other questions you might have

We’ll send a letter to you before your payments are due to restart. It will confirm the start date and the amount of your new payment. We’ll also let you know what options are available to you if you need more help to get back on track with your payments.

No, please leave this in place so we can restart your payments easily at the end of your payment break.

No, you won’t need to provide anything. You can tell us a little about your circumstances when you apply.

When your payment restarts, we’ll only collect your agreed payment. 

If you’d like to continue making overpayments, you’ll need to set them up again.

Find out how to set up an overpayment.

When your 3-month payment break comes to an end, we’ll be in touch to let you know what further options are available to you.

Yes, you’re able to switch. However, other conditions still apply and your payments must be up to date before your payment break starts.

If you’re on a tracker deal, or one of our variable rate products, you’ll be able to switch while on a payment break as long as you’re eligible.

If you are on a fixed rate deal, you can still switch to another product while on a payment break but remember to consider any Early Repayment Charges that may apply.

Find out more about switching your mortgage.

Please note: on your rate switch application, the offer you receive will not show your payment break, or account for it in the values provided.

Yes, don’t worry, you can still apply. However, depending on your situation, a payment break may not be appropriate for you. If this is the case, we'll let you know other ways we can help.

If you take a payment break, the amount you owe in arrears won’t increase during this time. But you’ll need to think about how to repay your arrears when your break ends.

So you know: you can’t switch to a new mortgage deal if you were behind on your payments before starting your payment break.

Yes, you’ll need to take all 3 months together.

If your mortgage was taken out before 3 March 2010 it may offer payment holidays as a feature (if you’re eligible). A coronavirus payment break will not impact your payment holiday history, and you are able to apply for either or both.

Visit our main mortgage payment holiday page for more details.

The terms and conditions originally sent out also applied to other types of mortgage payment holiday. They were not tailored to the coronavirus payment breaks. This means some terms won’t apply to you.

These include:

  • Letting: If your property is already being let, this can continue while you are on your payment holiday.
  • Changes in your circumstances: there is no need to update us on any changes in your circumstances.
  • Estimated property value: we have not taken your property value into account when agreeing this payment holiday so your Loan to Value may be above 80%.
  • Length of payment break: If your mortgage offers a payment break feature, the eligibility and terms of that aren’t impacted by a coronavirus payment break.

For more advice on taking a mortgage payment break, visit the Money Advice Service.

You might also find the following information useful when trying to decide on the best option for your situation:

You can also access free independent debt advice through:

That’s no problem. Please contact our Mortgage Support on 03457 30 20 11 if you’d like to cancel your payment break.