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What is a sub-account?

A sub-account is a separate loan - if you've borrowed more money or split your borrowing across different mortgages in the past, you'll have different sub-accounts on your mortgage. You still only make one monthly repayment, but the sub-accounts may have slightly different terms and conditions.

I have more than one sub-account on my mortgage, how is my monthly payment divided between them?

If you've borrowed more money or split your borrowing across different mortgages in the past, your mortgage will have sub-accounts. Each one may have different terms and conditions.

Although you'll usually only make one payment each month, we'll divide the money you pay us between your mortgage accounts in the following order:

1.    Secured personal loan(s)  

2.    Further advance(s)

3.    Main mortgage account

If you'd like more information about how we distribute your monthly payment, please call us on 0800 121 6263.