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.
- 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