
Take a further payment holiday
If you already have a mortgage payment holiday that’s ending soon, you might be able take a further payment holiday.
How we can help
If you already have a payment holiday in place, here are some ways we can support you as it comes to an end.
With your mortgage payment holiday coming to an end, there are a number of different scenarios you could be facing. We have a range of support that can help you take the next steps.
This page is designed for people who have a payment holiday in place. If you don’t, and need support to pay your mortgage, please read our FAQs.
It’s important you know that some of these examples are likely to increase your mortgage balance, your interest and the total amount you have to repay.
You can set up a new Direct Debit in Online Banking, or by calling us on 0333 202 75801.We’ll write to you to let you know when you need to do this. It can take up to 14 working days to set up a Direct Debit, so please make sure you’ve got time before your next payment’s due, or you might miss it. If you have a payment due in this time and you have any concerns about making it, please call us straight away on 0333 202 7504. We’re open from 8am to 8pm, Monday to Thursday, 8am to 6pm on Fridays and 9am to 1pm on Saturdays1.
You could set up a Direct Debit instead, as this is the easiest way to pay. If you can’t, you’ll need to set up a new standing order on the account you want to make the mortgage payments from.
You may be able to extend the term of your mortgage so that the payments return to the amount they were before your payment holiday. To discuss this and any other options, please call us on 0333 202 7504.
Please note: if you choose a term extension, it’ll take you longer to repay your mortgage. Since you’ll be charged interest over this longer period, your total cost of borrowing will increase, which means you'll pay more for your mortgage overall than you would have done otherwise.
If your Barclays mortgage account number has ten digits, you can pay using the Barclays app, or our Telephone or Online Banking services.
If you don’t hold an account with us, you can pay using your bank’s telephone and online services. The bank details that you’ll need are:
Sort code: 23-88-xx (first two digits of the mortgage account number)
Account number: xxxxxxxx (remaining eight digits of the mortgage account number)
Reference: Your 10-digit mortgage account number, which can be found at the top of any recent payment holiday letters.
If your Barclays mortgage account number has six digits, give us a call to pay by card or make a manual payment using the bank details below:
Sort code: 20-19-14
Account number: 90927228
Reference: Your 6-digit mortgage account number, which can be found at the top of any recent payment holiday letters.
Log in to Online Banking and follow these steps:
We might be able to help in various ways, depending on your circumstances – here are some examples.
If you already have a mortgage payment holiday that’s ending soon, you might be able take a further payment holiday.
Pay whatever you can afford.
Please think about whether deferring your payments is the right thing for you. Remember – with all these options, we’ll still charge interest on the full amount you owe and will add it to the balance each month.
We can help in a number of ways if you have any concerns or you’re experiencing longer-term financial difficulty. Please get in touch so we can find the best way to support you. Call us on 0333 202 7504, we’re open from 8am to 8pm, Monday to Thursday, 8am to 6pm on Fridays and 9am to 1pm on Saturdays1. We’ll ask you to complete an income and expenditure form – it’ll speed things up if you’re able to do this before you call us.
Complete the income and expenditure form [PDF, 2.9MB]
Yes you can and there are a number of ways to do it. Log in to Online Banking, the Barclays app, or call us on 0333 202 7580. We’re open from 8am to 8pm, Monday to Thursday, 8am to 6pm on Fridays and 9am to 1pm on Saturdays1.
If you make a one-off overpayment to repay the deferred payments after your payment holiday ends, we’ll treat this as a part-repayment. We’ll recalculate your contractual monthly payments to reflect the new mortgage balance. Alternatively, you can make regular overpayments, which means we won’t recalculate your contractual monthly payments unless you ask us to.
If you make overpayments, it’ll cost you less than if you spread the deferred payments over the remaining term, as it means you will repay the deferred amounts sooner and pay less interest as a result.
Overpayments to repay your deferred payments won’t count as part of your annual overpayments allowance, and you won’t be charged any early repayment charge on these.
If your current mortgage rate expires in the next 90 days, or you’re currently on a Barclays lifetime variable rate product, you might be able to switch to a lower rate to help you reduce your mortgage payment. You can switch your rate anytime and we don’t need an affordability check. See how you can switch your rate.
Insurance that pays out for accidents, sickness or unemployment will either be a standalone income protection policy or payment protection insurance (PPI). PPI is offered in combination with a credit agreement, such as a mortgage, credit card or overdraft. You should check whether you have this type of policy in place and, if you feel you have a valid claim, follow the claims process in your policy documents.
We want to make sure you get the help you need however we’re receiving a high number of calls at the moment. This means you might need to wait longer than we'd like to get through to us. Thanks for your patience and understanding.
Payment holiday requests if you’re up to date with mortgage payments
Lines are open from 8am to 8pm, Monday to Thursday, 8am to 6pm on Fridays and 9am to 1pm on Saturdays. Lines are closed on Sundays.