Mortgage holiday calculator
If you need a temporary break from your mortgage repayments, you can ask your lender for a ‘mortgage holiday’. Read more about that here.
If you do take a holiday, you’ll still have to make up the payments and interest afterwards. Use this calculator to get a rough estimate of how it might affect you.

This is just an estimate. Always talk to your lender.
If you don’t want your payments to go up after your holiday, your lender has to give you other options. For example, they can extend your mortgage term by the number of holiday months you took. Or they can take a lump sum payment for those months instead. Note that lenders might also calculate ‘yearly’ interest differently – some lenders count it using 360 days a year. See what your lender is saying about mortgage holidays.
This calculator assumes you're on a fixed rate mortgage
If you're on a variable rate mortgage, chat to us and we can help.
If you're on your SVR, a remortgage could help
When your initial term ends, your lender puts you onto a more expensive rate, called a 'standard variable rate' or SVR. If you're on an SVR, or a few weeks away, switching your mortgage deal before you take a holiday could save you more money. Chat to us for free advice.
You can take a holiday of up to 6 months if you need to
If you can’t afford your repayments and you’re already on a mortgage holiday, you can extend that holiday to 6 months. But if you can afford your repayments, your lender will likely encourage you to keep your holiday to 3 months maximum.
See what your lender is saying about mortgage holidays
Lender
Offering mortgage holidays?
How a holiday will affect your mortgage:
How to apply for a mortgage holiday:
Waiting times to hear back from
this lender:
Accord
Yes
Speak to your lender (we don't have this info yet)
Use this online form
or call
0800 138 2402
5 days
Barclays
Yes
Longer mortgage term
Use this online form
or call
0800 022 4022
It's not clear
Coventry Building Society
Yes
Your lender will give you different options
Use this online form
or call
0800 121 8899
They're saying holidays will be 'actioned immediately' (it's worth double checking what that means)
Halifax
Yes
Higher monthly payments afterwards
Use this online form
or call
0345 850 3705
3–5 days
HSBC
Yes
Speak to your lender (we don't have this info yet)
Use this online form
or call
0345 850 0633
7 days
Lloyds
Yes
Higher monthly payments afterwards
Use this online form
or call
0800 783 3534
3–5 days
Nationwide
Yes
Higher monthly payments afterwards
Use this online form
or call
0345 730 2011
5–7 days
NatWest
Yes
Higher monthly payments afterwards
Use this online form
or call
0800 092 9585
5 days
Royal Bank of Scotland
Yes
Higher monthly payments afterwards
Use this online form
or call
0800 056 0567
5 days
Santander
Yes
Higher monthly payments afterwards
Use this online form
or call
0800 023 4603
It's not clear
Virgin Money
Yes
Your lender will give you different options
Use this online form
or call
0345 605 0500
It's not clear
See what your lender is saying about mortgage holidays
Last updated: Fri May 22 2020
Offering mortgage holidays?
Yes
How a holiday will affect your mortgage:
Speak to your lender (we don't have this info yet)
How to apply for a mortgage holiday:
Use this online form or call 0800 138 2402
Waiting times to hear back from this lender:
5 days
Offering mortgage holidays?
Yes
How a holiday will affect your mortgage:
Longer mortgage term
How to apply for a mortgage holiday:
Use this online form or call 0800 022 4022
Waiting times to hear back from this lender:
It's not clear
Offering mortgage holidays?
Yes
How a holiday will affect your mortgage:
Your lender will give you different options
How to apply for a mortgage holiday:
Use this online form or call 0800 121 8899
Waiting times to hear back from this lender:
They're saying holidays will be 'actioned immediately' (it's worth double checking what that means)
Offering mortgage holidays?
Yes
How a holiday will affect your mortgage:
Higher monthly payments afterwards
How to apply for a mortgage holiday:
Use this online form or call 0345 850 3705
Waiting times to hear back from this lender:
3–5 days
Offering mortgage holidays?
Yes
How a holiday will affect your mortgage:
Speak to your lender (we don't have this info yet)
How to apply for a mortgage holiday:
Use this online form or call 0345 850 0633
Waiting times to hear back from this lender:
7 days
Offering mortgage holidays?
Yes
How a holiday will affect your mortgage:
Higher monthly payments afterwards
How to apply for a mortgage holiday:
Use this online form or call 0800 783 3534
Waiting times to hear back from this lender:
3–5 days
Offering mortgage holidays?
Yes
How a holiday will affect your mortgage:
Higher monthly payments afterwards
How to apply for a mortgage holiday:
Use this online form or call 0345 730 2011
Waiting times to hear back from this lender:
5–7 days
Offering mortgage holidays?
Yes
How a holiday will affect your mortgage:
Higher monthly payments afterwards
How to apply for a mortgage holiday:
Use this online form or call 0800 092 9585
Waiting times to hear back from this lender:
5 days
Offering mortgage holidays?
Yes
How a holiday will affect your mortgage:
Higher monthly payments afterwards
How to apply for a mortgage holiday:
Use this online form or call 0800 056 0567
Waiting times to hear back from this lender:
5 days
Offering mortgage holidays?
Yes
How a holiday will affect your mortgage:
Higher monthly payments afterwards
How to apply for a mortgage holiday:
Use this online form or call 0800 023 4603
Waiting times to hear back from this lender:
It's not clear
Offering mortgage holidays?
Yes
How a holiday will affect your mortgage:
Your lender will give you different options
How to apply for a mortgage holiday:
Use this online form or call 0345 605 0500
Waiting times to hear back from this lender:
It's not clear
If your lender isn't in the table, or you have any questions at all, we're here to help for free
If we're offline, leave us a message in chat and we'll get back to you the next morning.
Chat to us