Covid-19 FAQs

Mortgage and Protection FAQs

• Can I still get a mortgage to buy a property?

  Whilst the Government is urging homemovers to put plans on hold until social distancing restrictions are lifted, lenders are still offering mortgages rates for customers looking to buy a property and secure a deal. Whilst there may be limitations on how far  a purchase can progress, discussing your individual circumstances and wishes with us at this time may help you to plan ahead.   

  Although some of our high street branches remain closed, Countrywide Mortgages Services can still help provide an “Advice and Recommendation service” to help review your mortgage and protection requirements, all from the comfort of your own home. 

  Using the technology that Countrywide already has in place, we can progress the whole mortgage & protection application process over the phone and email. This includes digitally signing all the necessary forms and paperwork*.

  To get started please email admin@mortgagescountrywide.co.uk and include your contact details and we will arrange for a member of our team to call you back as soon as we can.

  *A fee will be payable for arranging your mortgage. Your Consultant will confirm the amount before you choose to proceed.

• How do I get mortgage payment holidays?

  During the COVID-19 crisis, the Government has announced that all mortgage lenders must support customers who need help and financial support at this time with payment holidays for 3 months. Some lenders also offer additional help and support, but this is based on your individual circumstance and you will need to contact the lender directly to discuss further.

  Most lenders have now created a simple payment holiday application form to complete on their website. Your lender will then confirm acceptance of the payment holiday application and when it starts. Please note that this can take up to 2 weeks. Some lenders still require you to contact their helpline first which can be found on their website.

  Details of the main lender websites/telephone numbers can be found below.

  Lender	Contact details
  Barclays	https://www.barclays.co.uk/mortgages/
  BM Solutions	0345 850 5000  https://secure.lloydsbank.com/
  Coventry Building Society	0800 121 8899 https://www.coventrybuildingsociety.co.uk/
  Halifax	https://www.halifax.co.uk/mortgages/existing-customers/payment-holidays/?WT.ac=PaymentHoliday
  HSBC	https://www.hsbc.co.uk/help/coronavirus/
  Leeds	https://www.leedsbuildingsociety.co.uk/coronavirus-information/
  Nationwide	https://www.nationwide.co.uk/support/coronavirus/mortgage-payment-holiday
  NatWest	https://personal.natwest.com/
  Platform	https://www.co-operativebank.co.uk/news/2020/coronavirus-support-personal-customers
  Precise	https://www.precisemortgages.co.uk/
  Santander	https://www.santander.co.uk/personal/coronavirus?icid=php-Hero-Coronavirus-0320
  Scottish Widows Bank	0345 845 0829
  The Mortgage Works	https://www.themortgageworks.co.uk/payment-holidays
  Virgin Money	https://uk.virginmoney.com/contact/support-hub/coronavirus/

   

• How do I make a claim on my AXA or AVIVA policy that I arranged through Countrywide?

  If you have to make a claim or have a query on either your household or personal protection policies, in the first instance please refer to your policy document which will highlight all the main helpline numbers.

  We have however listed all of the main contact numbers for both AXA and AVIVA below.

  Please do not cancel a policy without first speaking to us, as your valuable protection will no longer apply. If you wish to change or adjust any of your policies, or you wish to take additional cover then please contact us at admin@mortgagescountrywide.co.uk and include your contact details and we will arrange for a member of our team to call you back as soon as we can.

  AXA:

  AXA Claim - Homeowner	Contact
  Buildings, Contents, Personal Possessions and Pedal Cycles	0345 521 3905
  Domestic Helpline and Home Emergency	0330 058 1638
  Legal Helpline and Legal Expenses	0330 058 1641

   

  AXA Claim - Landlord	Contact
  Buildings, Landlord’s Contents and Carpets, Curtains and White Goods	0345 521 3905
  Domestic Helpline and Home Emergency	0330 058 1639
  Legal Helpline and Legal Expenses	0330 058 1643

   

  AXA Claim - Tenant	Contact
  Contents, Personal Possessions and Pedal Cycles	0345 521 3905
  Legal Helpline and Legal Expenses	0330 058 1642

  
  AVIVA:

  Personal Protection	Contact
  Changing details, making a claim or ask a question	Aviva Contact Us
  Manage your existing policy	Aviva My Account

   

• Can I defer my insurance/protection payments?

  Yes customers who are struggling financially due to Coronavirus (COVID-19) can now defer premiums for up to 3 months whilst retaining their important benefits and levels of cover.*

  If you would like to apply to defer your payments then in the first instance please use the contact details below;

  AVIVA  Protection policies

  Apply using either their website or contact  AVIVA direct on 0800 2851 098

  AXA insurance policies

  Apply by contacting Countrywide Insurance Services on 01908 961399

  * Please note that Terms and conditions apply and the scheme is currently available until 18 August 2020 .

• Can I still remortgage as my current interest rate is coming to an end?

  Lenders have reduced the number of mortgage products they have available as well as reducing the higher Loan to Value deals. However, following the recent Bank of England base rate cuts many lenders are still offering low remortgage rates for customers looking to reduce their monthly mortgage payments.

  Countrywide Mortgages Services can still help provide an “Advice and Recommendation service” and using the technology that is already in place, we can progress the whole remortgage application process over the phone and email. This includes digitally signing all the necessary forms and paperwork*.

  To get started please email admin@mortgagescountrywide.co.uk and include your contact details and we will arrange for a member of our team to call you back as soon as we can.

  *A fee will be payable for arranging your mortgage. Your Consultant will confirm the amount before you choose to proceed.

• How do I get in touch with my Mortgage and Protection Consultant if the branch is closed?

  If you have been liaising directly with your Mortgage Consultant then please continue to do so using the email or telephone number that they have supplied to you.

  We have set up a central email address for all new enquires and this is monitored regularly. Please email admin@mortgagescountrywide.co.uk and include your contact details and we will arrange for a member of our team to call you back as soon as we can.