During these challenging times, we are dealing with an increased number of calls from our landlord customers.

We are doing our best to help customers as quickly as possible and we appreciate your understanding.

If you have submitted a payment holiday request within the past 10-working days, it will already be being processed by our team. There’s no need to call us during this period, if we need further information, we will telephone you.

If you wish to apply for a payment holiday, the quickest way is to download our declaration form and submit your application via email.

So that we can support those in the most vulnerable situations we ask that you only call if your enquiry is urgent.

If you do need to call us, please be aware that wait times are much longer than usual.

Payment Holiday Request

If you are a Landlord and think you’ll struggle to make your monthly mortgage payments specifically because of Coronavirus, we can help you by offering a 3-month payment holiday.

What is a payment holiday?
A payment holiday allows a borrower to defer mortgage payments for an agreed period. It is important to remember that you still owe that money and the interest on your mortgage still accrues during a payment holiday. At the end of the payment holiday Fleet Mortgages will contact you to assess your circumstances and agree a repayment plan for the arrears accrued.

A payment holiday will be available to customers who are up to date on their mortgage payments, and who have lost income because of the impact of Covid-19.

How do I apply:
If you are concerned about making your mortgage payments during this time you should contact us as soon as possible. Typically, you will not need to complete an application; you will need to self-certify that your income has been either directly or indirectly impacted by Covid-19. You will also need to self-certify that your tenant’s income has been impacted by Covid-19. Landlords are expected to pass on this relief to their tenants to ensure that they are supported during the Coronavirus crisis.

If you are a landlord, who owns four or more properties, we will require additional information to support your request for a payment holiday. You will be asked to complete our standard income and expenditure form, as well as providing a declaration from your tenant confirming that they have lost income as a result of COVID-19. The information you provide will allow us to process your request observing UK Finance guidelines, whilst also ensuring that Fleet Mortgages has the necessary information to consider whether a payment holiday is the most suitable option available to you.

Should I cancel my direct debit?
If a payment holiday is approved, no direct debits will be collected during the agreed period, accordingly please do not cancel your direct debit.

Cancelling your direct debit prior to a payment holiday being approved, could count as a missed payment and adversely affect your credit rating. A missed payment will also affect your eligibility for a payment holiday.

When will the payment holiday take effect:
Where we can, we’ll start your payment holiday from your next payment. However, if your next payment is due in the next few days, your payment holiday may start the following month. We’ll confirm the details when we write to you confirming your payment holiday. We’ll aim to get back to you as soon as possible, but please allow up to 7 working days from the date you submit your payment holiday application.

During the payment holiday period:
You will not have to make any monthly mortgage payments for a set amount of time, in this case up to three months. Arrears fees will be waived during the payment holiday period.

After the payment holiday ends:
At the end of the payment holiday a member of the Fleet Mortgage Services team will contact you to assess your circumstances. Repayment of the arrears will be agreed on a case by case basis.

To proceed, please download, complete and return the relevant PDF document below to:

Landlords who own 3 or less
buy to let properties:

Landlords who own 4 or more
buy to let properties

All valuations are postponed

As a direct result of the Government response to COVID 19 on 23/3/20, please note that all valuations will be postponed until further notice and will include any new applications received.

We are currently looking at alternative options and can confirm the situation will remain under constant review with our panel manager in line with Government guidelines. Please keep an eye on our website for updates.


For getting in touch.
A member of our team will contact you.