Results are based on the following assumptions:

The regular monthly overpayment result is calculated from the overpayment period that you enter and isn't affected by any lump sums paid. The calculation assumes that you keep making any regular overpayments. The overpayment amount may differ in the final month when the remaining balance is cleared.

If you'd like any overpayments to be applied to your account to reduce your term you can arrange this at any time via the Internet Bank or by giving us a call on 0800 30 20 11. Otherwise overpayments will be applied to reduce your monthly payments.

Lump sum payments are assumed to be made at the very start of the mortgage term remaining and that you’ll continue to make the original monthly payment after this.

If you'd like any overpayments to be applied to your account to reduce your term you can arrange this at any time via the Internet Bank or by giving us a call on 0800 30 20 11. Otherwise overpayments will be applied to reduce your monthly payments.

If your mortgage is interest only, overpaying will reduce the capital due at the end of your mortgage term.

For any repayment type, we assume that:

• your interest rate will stay the same over time.
• any remaining months are rounded to the nearest whole month.
• interest is calculated and charged monthly and will be shown to the nearest 2 decimal places.
• monthly interest is charged on the basis of 1/12 of the annual interest rate.

The results are not guaranteed and could be considerably different if interest rates change. Remember that variable rates can rise and fall and fixed rates are usually for a specific period.