Menu Open menu
Find a branchFind a branch
Please enter your postcode using only letters and numbers. Please enter a postcode.

Call us0800 121 8899

Call us

Free call from mobiles & landlines

Monday to Friday 8am - 8pm
Saturday 9am - 5pm
Sunday 10am - 4pm

All enquiries 0800 121 8899

Call costs explained


Why has my balance increased?

Your mortgage balance could increase for a number of reasons:

New borrowing

If you've borrowed more from us in the past year, this money will appear on your statement.

Addition of fees

If you have opted to have a fee added to the account, you will be charged interest from the day it is added to your account.

Also, your initial mortgage payment may have been calculated on the amount borrowed, which may not have included the product fee. This means your mortgage payment may rise when the fee is added to the balance and your new payment is calculated, for example following an interest rate change.

Delayed repayments

If your December monthly payment reaches us after 31 December because of public holidays,over the festive period, it will be credited in January. You can call us on 0800 1216263 and change the date your payment is collected to prevent this happening again.

Missed payments and mortgage accounts in arrears

If you have missed any of your mortgage payments, in part or in full, the interest that has been charged is calculated on the total balance outstanding which includes these missed payments, and any fees that may have been charged to the account.

Payment holidays

Interest is still added to the balance of your account during a payment holiday.