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Coronavirus payment holiday


You may be aware that, on 22 May, the Financial Conduct Authority (FCA) announced a proposal to extend payment holiday support for customers who are struggling to pay their mortgage due to coronavirus (Covid-19). Please note that this proposal is still at draft stage and we will publish a further update to our customers when the full FCA guidance has been finalised.

On the 17th March 2020, the Government announced additional measures to support people who may be impacted by Coronavirus. One of these measures was to offer a 3 month payment holiday on mortgage payments.

If you have been impacted financially by Coronavirus and you think you might struggle to make your monthly payments, we can help by offering a 3 month payment holiday.




What is a payment holiday?

A payment holiday is when you don’t make payments to us for up to 3 months. We will add these payments onto your balance, meaning your balance will increase and your monthly payment will need to be reviewed. At the end of the payment holiday, 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.




Things you need to know
Personal Finance customers

Please note that in order to request a payment holiday, you must first complete the payment holiday form below or contact us on 0161 333 7404. Please do not cancel your direct debit until a payment holiday has been fully agreed and confirmed by us, as doing so will impact your payment history and potentially your credit score.

  • If you are a Together Personal Finance customer, your mortgage payments need to be fully up to date.
  • If you are a Together Personal Finance customer and your account is not up to date, please call us on 0161 333 7404 to go through this in more detail to discuss a payment holiday or 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 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.
  • There’s no charge for taking a payment holiday, your account will not go into arrears and this won’t have a negative effect on your credit score.

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

If you chose to pay back your 3 month payment holiday over the full term of your loan, we have calculated an illustrative example to help you understand the potential impact to your monthly payments.

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 £100,000
  • 25 year term
  • Interest rate of 6.50%
  • Normal monthly payment is £675.21
  • Monthly payment increase after a 3 month payment holiday is £14.00
  • Monthly payment due for the remainder of the loan term £689.21
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?

Please note that in order to request a payment holiday, you must first complete the payment holiday form below or contact us on 0161 333 7404. Please do not cancel your direct debit until a payment holiday has been fully agreed and confirmed by us, as doing so will impact your payment history and potentially your credit score.

Once we have completed your application, we will let you know in writing.

We are currently experiencing much higher volumes of calls and queries. We are doing our best to help our customers as quickly as we can, so we aim to respond to your request 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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