YOUR ANNUAL MORTGAGE STATEMENT

We send your annual mortgage statement to you each year.

 

Your 2024 statement covers the period from 1 January 2024 to 31 December 2024.

Frequently Asked Questions:

Why has my overall mortgage balance gone up?

There are a few reasons why your mortgage balance could have gone up. These include:
If you missed payments, made smaller monthly payments or took a payment holiday - the balance of your mortgage will still accrue interest.
If you chose to add fees to your mortgage - instead of paying them upfront.

Why has my new monthly payment gone up? 

There are a few reasons why your monthly mortgage payment could have gone up. These include:
If you have missed payments during the last year.
When you miss one or more of your monthly payments, you might be charged additional interest.
If you are on Offset Option 1 - and there was a reduction in your offset savings balance since the last time your monthly payment was calculated.
If fees have been added to your mortgage account - and you have not paid them.
If there has been an increase in your Mortgage Payment Protection Insurance premiums.
If your regular monthly payment date is after the end date of your mortgage.
When this happens, we aren’t able to take the last payment, so we might need to spread the cost of that payment across other monthly payments.
We recalculate your monthly mortgage payment at the end of the year. But you can contact us at any time to ask us to recalculate it.

Can I change the day of the month that I pay my mortgage?

It is possible to change the day of the month that you make your mortgage payment. But changing your payment day may affect the amount of interest you have to pay. Please contact us on 0345 166 9300 to find out more and to make the change.

What should I do if I can’t afford to make my monthly payment?

If you’re worried that you won’t be able to make your monthly mortgage repayment, please call us as soon as possible on 0808 156 1158.

What should I do if my interest only mortgage is ending, but I can't pay the outstanding balance?

If you don’t think you can repay your mortgage at the end of the term, you should contact us as soon as possible. We can discuss the options available to you. Please call us on 0800 138 1009.

What options do I have for repaying my interest only mortgage?

What are my options if I have a standard variable rate (SVR) mortgage?

You have many options if you’re on an SVR mortgage, or if you are about to finish your deal and move onto a new one. What you decide to do is down to you and your personal situation.


Find out more about your options

When do I need to pay early repayment charges?

An early repayment charge is a fee you might have to pay if you want to pay off your mortgage before your current deal ends. You might also need to pay early repayment charges if you make bigger overpayments than your deal allows, or you transfer to another deal before your current deal ends. Your mortgage offer will detail the early repayment charges that apply to your specific product.

How do I get an interest tax certificate?

You can ask us to send you a copy. We charge £11 to send you an interest tax certificate, apart from ones relating to buy-to-let mortgages which are free. 

 

To ask for one, call us: 0345 166 9300.

How can I check my latest mortgage statements and transactions?

You can see your latest mortgage transactions online, if you’re registered for this service. Log in to our website, select ‘Your mortgage’ and select 'Transactions'.
You can download/print your transactions from the website, or we can send you a printout for a £9 charge.
You can also request a copy of your annual statement. We charge £11 for this.
To ask for a statement or printout, call us: 0345 166 9300.

How is cashback paid?

If you have a mortgage that offers cashback, the reward will be paid to your solicitor to pass on to you when you complete your mortgage. 

How can I keep track of my mortgage?

The easiest way to keep up-to-date with your mortgage is online. You can go online to view your year-to-date statements. If you’re not registered for online banking, you can get set up in a few minutes.
Register here

Help with rising costs and other useful information