Your annual mortgage statement
We send your annual mortgage statement to you at the beginning of each year.
When you’ll get an annual statement
Your annual 2024 statement covers the period from 1 January 2024 to 31 December 2024.
This should have arrived in the post by 31 January 2025.
You'll receive a statement for each mortgage account that you have with us.
Requesting a statement at another time
If you’d like to order a statement at any other time of the year, please call us on: 0345 609 25 30 (Monday to Friday, 8am to 6pm, Saturday 9am to 2pm, closed Sundays and bank holidays).
What to expect in your statement
Your annual mortgage statement will detail everything about your mortgage, including the:
- type of mortgage you have
- length of your mortgage deal
- remaining mortgage term
- opening balance from the beginning of the calendar year
- closing balance from the end of the calendar year
- fees or charges that may be applied
- overpayment reserve or arrears balance
- interest rate(s) you’ve been charged
- current monthly payment
- payments due to be paid
- actual transactions that took place.
Common questions
Your statement shows you the total amount of interest added to your account over the last calendar year, so you can see how your closing balance is worked out.
This can happen if you’ve paid less than your monthly payment amount or if any fees have been added to your account.
It may also be higher if your product allowed you to take advantage of agreed underpayment or borrow back features.
The Early Repayment Charges (ERCs) shown on the statement are for illustrative purposes only. This shows how much you would have been charged had you repaid your loan in full on 31 December 2024.
An ERC may be applied if you make an overpayment that takes you over your overpayment allowance, or if you repay your mortgage in full when you're in your initial deal period.
This was a charge for those that decided to repay their mortgage in full. Or transferred the loan to another lender.
However, since 3 March 2025, we no longer charge this fee.
To find out more about fees and charges, visit our tariff of charges - PDF 113KB (opens in a new window).
If you’ve taken a mortgage payment holiday or break, this will be reflected in your statement, in the Payments due section. The deferred payments will be spread across the remaining term of your mortgage, and your monthly payments may have changed to cover the payments you didn’t make and the extra interest.
Call us
Monday to Friday, 8am to 6pm.
Saturday, 9am to 2pm.
Closed Sundays and bank holidays.
UK: 0345 609 25 30
Related links
Important:
Mortgages are subject to underwriting and criteria. Minimum age 18, UK residents only.