Mortgages

We’re accepting applications from customers who are either furloughed or expect to be placed on furlough in future. We’ll ask you to provide some information about the terms of the furlough during the application process. Frequently asked questions on mortgages for furloughed workers.

The Financial Conduct Authority has announced it's going to issue guidance to lenders regarding further support to customers affected by COVID-19. Until we receive guidance, you can still apply for a payment break or payment break extension. You can only have one extension per mortgage account. We’ll update our support pages when we have further details.

Payment breaks will not impact your credit file held by credit reference agencies. However, there are other ways lenders can see you’ve taken a payment break, such as the balance of your mortgage over this period or information from your bank account. They may take this into account when assessing future applications.

We may be able to extend your mortgage Offer, depending on your individual circumstances. We’ll also need to re-validate parts of your application, eg the property value and your income. Once you’ve submitted your form, we’ll be in touch to let you know if your mortgage Offer will be extended and what information we need.