Interest rates
If you’re impacted by a change in interest rate, we’ll write to you to advise if your rate is changing, confirming your new rate and monthly payment amount.
You don’t need to do anything until you receive our letter.
If your interest rate and monthly payment are due to change at the start of the next month, you’ll find details of your new rate, payment amount and the date when this will apply in Self-Serve.
This information will be available in the Account Summary screen after we’ve processed the rate change on your account. We’ll do this as soon as possible, although it can sometimes take several days.
If you call us, we won’t be able to confirm your new rate and payment until it’s also showing in Self-Serve. So, if it’s not there, please check back later.
An interest only mortgage is where your monthly payments only cover the interest charged on the balance you owe. Your payments don’t reduce the total amount you owe over time, so when your mortgage reaches the end of its term, you’ll need to repay this to us as a lump sum.
It’s important you’re fully aware of the type of mortgage you have, so you can plan ahead. If you’re unsure, log in to our Self-Serve portal and you can easily find this information on the Account Summary page, under the ‘Repayment type’ header.
A repayment (capital and interest) mortgage is where your monthly payments cover the interest charged each month and pays off some of the balance you owe. This means that providing you make your monthly payments in full and on time, your mortgage will be fully repaid at the end of its term.
It’s important you’re fully aware of the type of mortgage you have, so you can plan ahead. If you’re unsure, log in to our Self-Serve portal and you can easily find this information on the Account Summary page, under the ‘Repayment type’ header.
Yes, you can request an interest statement for the tax year by logging in to our Self-Serve portal and sending us a secure message.
Yes, if you need statements for a different year, you can request these by logging in to our Self-Serve portal and sending us a secure message.
We’re unable to send any documents to you digitally, including by email. All copy documents will be sent by post and should arrive within 10 working days.
If you’ve not received your documents in 10 working days, please log in to our Self-Serve portal and send us a secure message to investigate.