Your annual mortgage statement

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

Your 2020 statement covers the period from 1 January 2020 to 31 December 2020.

This should arrive in the post by 31 January 2021.

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

What to expect in your statement

The statement will detail everything about your mortgage, including:

  • mortgage product and when it expires
  • mortgage type
  • remaining mortgage term
  • opening balance from the beginning of the calendar year
  • closing balance from the end of the calendar year
  • any fees or charges that may have been applied
  • any 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.

If there is anything that you are unsure about on your annual mortgage statement, please visit our 2020 annual mortgage statement guide - PDF 6345KB (opens in a new window).

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

Monday to Friday, 8am to 6pm. Closed Saturdays, Sundays and bank holidays.

03457 30 20 11

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 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 December 2020.

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 10 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’ve taken a mortgage payment holiday or break due to coronavirus, 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.

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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