What happens when your payment holiday ends?
Before your payment holiday ends, we’ll send you a letter detailing your new monthly payments and explain your options. You’ll need to wait until you receive this letter before deciding what you want to do.
What if you want to review your new payments
Financial Conduct Authority guidance (FCA)
How and when can I take my mortgage payment holiday?
What should I consider?
Who can I speak with to get independent advice?
Reduce your monthly payments
Apply for another payment holiday
This is only available if you have taken less than 6 months payment holiday in total and it’ll follow on directly from your current one.
Dealing with financial difficulty
If you’re experiencing enduring financial difficulties and require support for any reason, please fill out an Income and expenditure form to help us understand your current financial position.
How it works
It’s a series of questions about your income and outgoings (such as salary and mortgage payments/rent) to help us assess your circumstances and find a solution to support you.
It should take about 10-15 minutes to complete and once you’ve completed the form we’ll be in touch to provide personalised support.
To complete the form, you’ll need to:
- provide basic information about yourself and your current employment status
- detail your current monthly income and expenditure information. If you have a joint debt with another HSBC customer, you’ll also have to provide their income and details of any shared household bills
- be as precise as you can so we get an accurate view of your current financial position
If you’re a joint account holder, you’ll also need to complete the partner income section of the form. You only need to complete one form between you – rather than one per named account holder.
Filling the form out won’t impact your credit file. However, depending on your circumstances, some of the solutions we offer may. If this is the case, we’ll let you know.
If you would like to call us to discuss this option, please contact us on 0800 085 2482.
- Monday - Friday 08:00 - 18:00
- Saturday 08:00 - 16:00