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- Interest-only mortgages
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Make sure you’re on track to repay your mortgage
Having plans in place to repay everything you owe gives you the peace of mind that you’ll own your home when your mortgage ends.
1. Tell us your plans
If you’re confident you can repay everything, let us know. It only takes a couple of minutes to tell us your plans. Or you can call us.
2. Regularly check your plans
Even the best of plans can change over time and it’s a good idea to regularly check you’re on track to repay everything. We’ll write to you throughout your mortgage so you’ll always know how much you need to repay and when. If you’re registered for Internet Banking you can see your mortgage account balance and statements online. Your balance will also be on the statements and letters we send you. Or you can call us and ask.
3. Let us know if your plans change
If your plans change or you’re worried you can’t repay everything, let us know. We can help you understand your options and the sooner you talk to us, the more options you’ll have to consider.
Interest only mortgage overpayment calculator
Use our calculator to see how overpaying on an interest only mortgage can save you money. You could reduce your mortgage balance and the amount of interest charged.
Change to a repayment mortgage calculator
Use our calculator to see what your payments might be if you change your interest only mortgage to a full or part repayment mortgage.
Where can I find independent help and advice
Although we're always here to talk to you about your mortgage, there are other people you can talk to for free and impartial help and advice. These include:
- MoneyHelper:
moneyhelper.org.uk - StepChange:
stepchange.org - Citizens advice:
citizensadvice.org.uk
You can find a list of independent financial advisors at unbiased.co.uk.
Interest only mortgages help
Get support and useful tools to help you manage your interest only mortgage.
Interest only mortgages help
Get support and useful tools to help you manage your interest only mortgage.