Mortgage Support Hub
The impacts of the coronavirus pandemic are being felt widely and deeply. We’re doing our best to help ease the financial impact on our mortgages customers.
Whether you are seeking help for the first time or need further support, we've put in place several measures to help you.
If you are asking for support for the first time
You can take a payment holiday of up to three months.
A payment holiday is a short break from paying your mortgage, which won’t impact your credit rating.
You'll find more information about mortgage payment holidays and any longer term impacts to your mortgage, as well as the mortgage payment holiday request form through the button below.
Find out more
If you are coming to the end of your payment holiday and need further support
If you are coming to the end of your payment holiday and need further three month period of support you can;
- make partial repayments at an amount you can afford. This means you would still cover the interest portion of your mortgage repayments and reduce the amount you owe by making smaller repayments to the mortgage balance
- make payments to cover the interest only. This would reduce your mortgage commitment each month, but will still allow you to continue to pay the interest portion of your mortgage.
- or extend your payment holiday by another three months.
We’ll write to you as your initial payment holiday comes to an end and you can let us know what further support you need through the button below.
Find out more
If you don't need a payment holiday, but want to reduce your repayments
If you are not currently in a fixed rate deal you may be able to make changes to your mortgage to reduce your repayments. You could;
- switch your mortgage to a new deal with a lower rate
- or extend your mortgage term to lower your repayments.
Speak to us on 0345 600 2882 to understand your if you could reduce your repayments this way.
We write to customers at the end of their fixed rate deals. If you've received a letter and want to make changes online, visit our mortgage review page through the button below.
Find out moreIf you need longer term support for you mortgage, we can help in a number of ways. Please talk to us on 0345 600 2882.
If you need independent support regarding your mortgage, you can get help from Citizens Advice 
, Housing rights NI , Advice NI 
.
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