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Payment holidays

On 31 October, the FCA announced they would propose further support for customers impacted by coronavirus. They will announce further details on Monday 2 November and we will work hard to put these changes in place as soon as we can. Please await further updates on our website and only call us if your query is urgent. Thank you for your ongoing support and cooperation in these challenging times.

What is a payment holiday?

A payment holiday is when you don’t make repayments on your mortgage for an agreed period of time. The payments are deferred; so they will still need to be repaid and interest will continue to be applied at your current rate. This means that the total amount that you need to repay over the term of your mortgage will increase.

In order to repay the deferred payments and associated interest within your contracted term, either your monthly payments will need to increase or additional payments will need to be made.

Before you enter into and at the end of the payment holiday, we will recalculate how much you would need to pay each month to repay the deferred payments and the associated interest during your mortgage term. This will also be confirmed to you in writing before you need to start making repayments. There are alternative repayment options available some of which will mean less additional interest is applied.




Things you need to know
Personal Finance customers

To request a payment holiday, you must contact us on 0161 333 7404. As part of setting up a payment holiday there is important information about the impact that this will have on your balance and future payments that we need to share with you.

You can also complete the form below, including a contact number, and we will call you back to confirm the impact of a payment holiday on your account and advise where additional information is available.

Please do not cancel your Direct Debit, as doing so will impact your payment history and potentially your credit score. We will make the changes needed to your Direct Debit during a payment holiday.

  • If you are a Together Personal Finance customer, please call us on 0161 333 7404 to learn more about a payment holiday or to discuss an alternative measure which may be more appropriate. We are open 9am-5:30pm Monday to Friday or visit our existing customers section for further help and advice.
  • If we agree a payment holiday, you won’t need to make payments during that time, but the payments will be added on to your mortgage balance and will accrue interest at your standard rate.
  • Once the payment holiday has finished, your monthly payments will increase. We will write to you to confirm the increased payment before your payment holiday ends.
  • There’s no charge for taking a payment holiday, your account will not go into arrears as a result of being on a payment holiday. If you are already in arrears the level of arrears will not increase.
  • If you were not in arrears prior to the payment holiday, you will not be reported to credit reference agencies as being in arrears during it. If you were already in arrears, the arrears amount will not increase. However, lenders may take into account other information when making future lending decisions, for example, information provided by you or from your bank account information. Once the payment holiday ends credit reporting will return to normal, and missed payments on your account may show as arrears on your credit file. This may affect your credit rating.

If your circumstances change and you no longer need the payment holiday or want to repay the amount earlier, please give us a call and we can talk you through what you need to do. Paying the amount back sooner will reduce the amount of interest you pay, so you will pay less in the long run.

Illustrative example

Below is an example of the impact of a 3 month payment holiday where the deferred payments and associated interest are repaid over the full term of the mortgage.

Please be aware that this example payment increase per month is based on calculations for an account which has never been in arrears and has been recently funded.

  • Repayment mortgage of £22,084
  • 25 months into a 25 year term
  • Interest rate of 6.90%
  • Normal monthly payment: £154.62
  • Original total repayable: £46,471.99
  • Increased monthly payment after 3 month payment holiday: £158.02
  • New total repayable: £46,936.33
  • Additional amount repayable due to the payment holiday: £464.34
Commercial Finance customers
Please do not cancel your direct debit unless you have spoken to us and we have formally agreed a change to your current payments, as doing so will impact your payment history and potentially your credit score.
  • If you are a Together Commercial Finance customer, please call us on 0161 333 7416 and we will review your circumstances and discuss the options available to you.
  • If we agree a payment holiday, you won’t need to make payments during that time, but the payments will be added on to your mortgage balance and will accrue interest at your standard rate.
  • Once the payment holiday has finished we will talk through your circumstances, assess your affordability and agree an affordable way for you to pay the missed payments and interest that was applied during the payment holiday.

If your circumstances change and you no longer need the payment holiday or want to repay the amount earlier, please give us a call and we can talk you through what you need to do. Paying the amount back sooner will reduce the amount of interest you pay, so you will pay less in the long run.




How do I request a payment holiday as a Personal Finance customer?

To request a payment holiday, you must contact us on 0161 333 7404. As part of setting up a payment holiday there is important information about the impact that this will have on you balance and future payments that we need to share with you.

You can also complete the form below, including a contact number, and we will call you back to confirm the impact of a payment holiday on your account and advise where additional information available.

As we’re sure you will appreciate during this time of uncertainty we are dealing with higher volumes of calls and queries so it may take us a little bit longer than usual to respond to your request. We will aim to respond within 5 working days.

If you miss your payment whilst your application is pending, you may receive letters from us asking you to call us. Please await the outcome of your application before getting in touch, as letters may have already been sent before we have had chance to review your application.

If your next payment is due in the next 5 working days, your payment holiday may not start until the following month.


Payment holiday application – Personal finance customers

Please provide all the information requested below. Also, please also note that this form is for Together Personal Finance customers only.

If you are a Commercial customer, please call us on 0161 333 7416 to discuss the options available to you.

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Is this a joint account?

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Is your Together account up to date?

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Before applying for this payment holiday, please confirm that





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Request a call back
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