Ask to take a payment holiday

How it works

1. Fill in the details below.

2. We'll send you a text message in 3-5 days to let you know if you can take a payment holiday.

3. If you take a payment holiday, when it ends your monthly payment will go up. This is because during the payment holiday period interest will continue to be charged and your mortgage balance will increase. Your monthly payment will be calculated on the new balance and for repayment mortgages, the payments which haven't been made will be spread over the remaining mortgage term.

4. There may be other ways for you to repay the payments you've missed, we'll write to you with more details on your options before your payments are due to restart.

5. As long as you are not already behind with your mortgage payments, then your payment holiday will not impact your credit rating.

6. If you are already behind with your mortgage payments, then your payment holiday will not increase the number of months you are behind and will not worsen your credit rating.

7. If you are behind with your mortgage payments please ensure you have visited our financial difficulties page for more details on how we can support before submitting this form:

8. We recommend that if you can afford to do so that you make additional payments during the Payment Holiday period. This will reduce the total interest you will be charged. Details can be found here:


Before you get started

It's important to note that the amount you owe will go up as we'll still charge interest for the duration of your payment holiday. You can use our payment holiday calculator to illustrate the impact on your mortgage balance, monthly payment and interest charges over the term of your mortgage.

You should also be aware that because we're busier than usual, it may take up to 10 working days for your payment holiday to take effect.

If your next mortgage payment is due in the next 10 working days, your payment holiday may not start until the following month. We will confirm to you via text the start date of your payment holiday.

You can see when your next mortgage payment is due by viewing your statement of the bank account from which your Direct Debit is paid.

If you are requesting a payment holiday for more than one mortgage you hold with us, you will need to complete one application form for each mortgage account.


If you have more than one mortgage account with us, you will need to complete an application for each one.


About your request

Before applying for this payment holiday, please confirm that:

  • You and anyone else named on this mortgage understand your monthly payments will increase as a result of this payment holiday.
  • You only need this payment holiday due to coronavirus (covid-19) related reasons.
  • You and anyone else named on the mortgage are aware that you will need to review any insurance policies which are calculated on the balance of your mortgage.
  • Your mortgage payments are fully up-to-date or your mortgage is less than 6 months in arrears and you have opted not to speak with us to review alternative options before applying for a payment holiday.
How we process your personal information

Your personal information will be held by Bank of Scotland Plc, which trades as Birmingham Midshires, part of the Lloyds Banking Group. More information on the Group can be found at It is important that you understand how the personal information you give us will be used. Therefore, we strongly advise that you read our full privacy notice, which you can find at or you can ask us for a copy. If you have any questions or require more information about how we use your personal information please contact us.