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Maintenance update

We’re giving our system a bit of a check up from 11pm on Sat 8 May until 8am on Sun 9 May. While we do that, our Online Services, password set-up service and savings account opening won't be available.

If interest rates rise how will this affect my monthly payment?

If the Bank of England Base Rate rises your monthly mortgage payment may increase too. Even if your interest rate is currently fixed, your monthly mortgage payment may still be higher than anticipated at the end of your fixed rate period.

What you need to do
We recommend that you review your finances regularly. You may find it beneficial thinking about your finances now so that you're prepared if interest rates were to rise, as it's important to ensure you can afford your mortgage payments each month.

We're here to help
If you're concerned about how a rate change could affect you or have any queries call us on 0800 121 6263 (Monday to Friday 8am-8pm, Saturday 9am-5pm and Sunday 10am-4pm).

How it works

Based on a repayment mortgage with an interest rate of 5% and an outstanding balance of £100,000 with 15 years remaining, the monthly mortgage payments would increase by the following amounts each month:

Example monthly mortgage
payment would increase by
Example monthly mortgage
payment would increase by
After 0.25% rate increase
After 1% rate increase

The above is only an example. If your mortgage rate changes, we'll always contact you in advance.