St. James's Place Bank Payment Holiday Calculator

Our calculator will show how taking a payment holiday could impact your mortgage.

The figures we show you are based on some assumptions, such as you having only one interest rate on your mortgage. There are a number of reasons why you may have more than one interest rate (for example, additional borrowing), and in such cases you will need to calculate each part of your mortgage separately. Details of our assumptions are shown at the bottom of this page.

This calculator does not take account of any offset savings balance you may have linked to your mortgage.

You can find out how many interest rates your mortgage has in your latest mortgage statement or your latest mortgage offer.

£
This is to pay your mortgage off in full. If you don't know exactly please enter your best guess.
Enter the percentage rate e.g. 3.59

Your monthly payment

Remember these results are based on what you’ve told us and assume you have one interest rate on your mortgage.

When your payment holiday ends, the amount you pay each month will go up.

Before your payment holiday

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After your payment holiday

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Your total amount to pay

After your mortgage payment holiday, the total amount you'd need to pay back, including interest, would increase.

Before your payment holiday

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After your payment holiday

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Apply for a payment holiday

Your monthly payment

Remember these results are based on what you’ve told us and assume you have one interest rate on your mortgage.

When your payment holiday ends, the amount you pay each month will go up.

Before your payment holiday

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After your payment holiday

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Your total amount to pay

After your mortgage payment holiday, the total amount you'd need to pay back, including interest, would increase.

Before your payment holiday

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After your payment holiday

##tappostioRounded##

 

Apply for a payment holiday
    • You have one rate across your whole mortgage for the whole term
    • All years are of equal length
    • Interest is calculated monthly
    • Estimate of total amount to pay is rounded to the nearest £10