Mortgage payment holiday ending

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.

Finding the best way to support you after your payment holiday

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.

I’m comfortable with my mortgage payments starting again

We’ll automatically restart Direct Debits when your payment holiday ends. If you’ve just paused your standing order, make sure it’s set to start again in time for your next mortgage payment.
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:

Click on to your mortgage

Click on 'mortgage management – Direct Debit'

Enter your bank details (sort code and account number) for the account you’d like the Direct Debit to come from, and select your payment date. (Please note: it takes 14 working days to set up a new Direct Debit, so you may also have to make a manual payment to cover this period).

Read and confirm The Direct Debit Guarantee

Review and submit the new Direct Debit instruction

Read the confirmation and click 'finish'

We’ll send a letter to let you know the date of the first collection and check your details are correct

I need further support with my mortgage payments

We might be able to help in various ways, depending on your circumstances – here are some examples.

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.

I need longer-term support with my mortgage payments

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]

More ways we can help

Can I make overpayments to cover the amount I deferred on my payment holiday?

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.

What should I do if my mortgage rate is expiring soon?

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.

Can I claim on income insurance?

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.

Get in touch

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

For your home – 0333 202 7492
For buy to let – 0333 202 7416
Payment holiday requests if you’ve missed any mortgage payments – 0333 202 7407
Questions about closed or matured mortgage accounts – 0333 202 7416

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.