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I don't know the answer to your question but I do know that the lenders have been instructed not to attach eligibility criteria to the mortgage holidays. Maybe Clydesdale haven't updated their web site?
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Government and banks have said it won't show up on credit reports, but I'd confirm when I called up.
Stonehedge
laner
@CYOA
On the subject of mortgage holidays - is taking a holiday (if they even let me, the guidance on the Clydesdale website still maintains you need to have overpaid by 3 months before being eligible) going to impact me on any affordability criteria when my current 2-year runs out in August?