See what your first mortgage payment will be

You can check the details of your first payment by logging in to Mortgage Manager on or after your completion date.

You’ll be able to see the amount to be paid and when it will be taken.

We send this information to you in a letter as well. You should get it 5 to 7 working days after your completion date.

Check your first payment online

Log in to Mortgage Manager to see the details of your first payment.

If you already have a savings or current account with us, you can also access Mortgage Manager through the Banking app or Internet Bank.

What to expect from your first mortgage payment

First payments can be higher than your ongoing monthly payment. This is because it'll include interest from the date we released the funds, up to the end of that month, plus your payment for the following month.

For example: If we release the funds on the 12 May, your first mortgage payment in June will include interest for 12 to 31 May, as well as your mortgage payment for June.


In some cases you may notice that your first payment is actually lower than what was shown in your mortgage offer.

This is because the payment quoted in your offer will assume your mortgage completes on the first of the month.

Managing your Direct Debits

You can find out more about how to set up, change or amend bank details or a payment date on our Direct Debit page.

Overpaying your mortgage

If you can afford to, overpayments are a great way for you to save money over the term of your mortgage. You can decide to pay off a lump sum, pay off a bit extra each month or do both. To find out how to set up, amend or cancel an overpayment, and set up or amend an overpayment preference visit our overpayments page.


If you’ve moved home, we will update your mortgage address, but not the addresses on your other accounts. Please remember to update your contact details for other products you hold with us by visiting your nearest branch. Use branch finder