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Mortgage interest rate change calculator

The rate change calculator below will give you an indication of how much your monthly mortgage payments could change.

Fixed Rate Mortgage Customers

If your mortgage is on a fixed rate, your regular monthly payment will not be affected by a change in the Bank of England Base Rate during the fixed rate period.

Variable Rate Mortgage Customers

If your mortgage is on a variable rate, your regular monthly payment could be affected by a change in the Bank of England Base Rate. For more information about this, have a look at our Bank of England Base Rate page.

Where can I find my mortgage details?

You can find your mortgage details in your most recent annual mortgage statement or from Internet Banking. If you’re not registered for Internet Banking yet, it’s easy and only takes about 5 minutes. Find out how to register.

I have more than one sub account, how do I use the calculator?

If your mortgage is made up of more than one sub account and some of these sub accounts are on variable rates, you will need to do a separate calculation for each sub account. To calculate the total change to your monthly payment, add each sub account calculation together.

You can find out if you have sub accounts on your most recent annual mortgage statement.

If a rate change takes place and it affects your mortgage, we will send you a letter confirming your new monthly mortgage payment before it is taken.

Rate change calculator

What are my next steps?

YOUR HOME MAY BE REPOSSESSED IF YOU DO NOT KEEP UP REPAYMENTS ON YOUR MORTGAGE