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Mortgage payment holiday calculator

This calculator can indicate what your new monthly mortgage payments will be.

Work out your future monthly payments if you’re considering:

  • starting a payment holiday
  • extending a payment holiday
  • extending the term (length) of your mortgage

Some web browsers are unable to display the calculator. If you can’t see it below, please call us.

Before you get started

Switching rates – the calculator assumes the interest rate will remain the same throughout your loan term. If you have an HSBC Variable Rate, a rate switch could help reduce your monthly payments. See more about switching rates.

What you’ll need

The calculator asks for your outstanding balance, annual interest rate and the term (length) that is left on your mortgage. These can be found on your annual statement, in your end of payment holiday letter, or by logging on to online banking.

Important to know

The information provided by this calculator is a guide and should be used for indicative purposes only.

If you have more than one loan part, you’ll need to use the calculator for each loan part. If you’re coming to the end of a payment holiday, you’ll receive a letter for each loan part.

Next steps

If you can afford to, we strongly recommend continuing, or resuming, your mortgage payments so you don’t accrue more debt. If you’re unable to, there are some other steps you can take.

Take a payment holiday

If you haven’t taken a mortgage payment holiday and would like to, see how to apply.

Review your end of payment holiday options

If you have already taken a payment holiday and have received a letter detailing your new monthly payments, see your options.

Call us

To discuss your options, or if you have any questions, please call us on 0800 169 6333 and select option 0.

Lines open:

  • Monday to Saturday, 08:00 – 20:00
  • Sunday, 09:00 – 18:00

Think carefully before securing other debts against your home.
Your home may be repossessed if you do not keep up repayments on your mortgage.

It’s easy to get in touch online. Talk to us directly through our chat channels.