Your annual mortgage statement

We send your annual mortgage statement to you at the beginning of each year.

Your 2019 statement, covering 1st January 2019 – 31st December 2019, should have arrived in the post by 31 January 2020.

You'll receive a statement for each mortgage account that you have with us.

What's in your annual mortgage statement?

You'll also receive a handy guide that clearly explains each section of your statement and some information on what options are available to you. You can download one below if you need to. The statement will detail everything about your mortgage, including the remaining term, balance and current monthly payment.

2019 annual mortgage statement guide

The Early Repayment Charge (ERC) shown on the statement is for illustrative purposes only and shows how much you would have been charged had you repaid your mortgage in full on 31/12/2019. An ERC may be applied if you make an overpayment that's more than your overpayment allowance or repaying your mortgage in full when you're in a deal. The statement also shows the total amount of interest added to your account in the last calendar year. This is to help see how the closing balance is worked out. The Mortgage Exit Administration Fee shown on the statement will only be charged if you decided to repay your mortgage in full or transfer the loan to another lender. You won’t be charged if you have ten years or less remaining on your mortgage or if you close your mortgage and take out another one with us at the same time.

If you’d like to order a statement at any other time of the year please call:

Monday to Friday, 8am to 6pm.

Closed weekends and bank holidays.

UK: 03457 30 20 11

Yes. If you’d like to order a mortgage statement at any other time of the year, outside of the annual mailing in January, please call us on 03457 30 20 11 (Monday to Friday 8am to 6pm).

The statement shows the total amount of interest added to your account last calendar year so you can see how closing balance is worked out.

This can happen if you’ve paid less than your monthly payment or any fees have been added to your account. It may also be higher if your product features allowed you to take advantage of an agreed underpayment or borrow back.

The Early Repayment Charge (ERC) shown on the statement is for illustrative purposes only and shows how much you would have been charged had you repaid your loan in full on 31/12/2018. An ERC may be applied if you make an overpayment that's more than your overpayment allowance or repaying your mortgage in full when you're in a deal.

The Mortgage Exit Administration Fee shown on the statement will only be charged if you decided to repay your mortgage in full or transfer the loan to another lender. You won’t be charged if you have ten years or less remaining on your mortgage or if you close your mortgage and take out another one with us at the same time.

Think carefully before securing other debts against your home. Mortgages are secured on your home. You could lose your home if you do not keep up payments on your mortgage.

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If you have any queries about your mortgage statement, please give us a call on 0800 30 20 11.