Rate rise calculator

If you are on a variable rate mortgage, simply enter a few basic details about your mortgage to see how future interest rate rises could affect your monthly payments. This is an illustration only - any rate rises that apply to your mortgage will be dependent upon the Terms and Conditions of your loan. If you are unsure of any of this information then please refer to your most recent mortgage statement.

Please note - this calculator provides an illustration of a repayment or interest only mortgage with interest calculated monthly. The actual payments may differ.

Useful tools

We have a number of mortgage tools and calculators to illustrate and help you understand the options available to you.

Your current mortgage

Please enter a valid mortgage balance

What is your outstanding mortgage balance?

£ e.g.125000

What type of mortgage do you have?

Interest only Repayment

Please enter a valid Year/Month

How long do you have left on your mortgage?

e.g.15 Years

e.g.3 Months

Please enter a valid Interest Rate

What is your current interest rate?

e.g.2.5 %

See results

		If interest rates rise by
	Current rate	0.25%	0.50%	1.00%	2.00%	3.00%	5.00%
your monthly payment will be*	0.00
An increase of	0.00

Results - How could interest rate rises affect your monthly payment?

If your mortgage
interest rate rises by...

0.25%

...then your monthly
payments could increase by

But if your mortgage
interest rate rises by...

2.00%

...then your monthly
payments could increase by

Your monthly payment (£)

            Change in interest rate (%)
            Your monthly payment (£)
            Color
            Increase of
        
            +0.00%
            208.00
            #01b6c7
            
            +0.25%
            229.00
            #1c1251
            
            +0.50%
            250.00
            #1c1251
            
            +1.00%
            291.67
            #1c1251
            
            +2.00%
            375.00
            #1c1251
            
            +3.00%
            458.33
            #1c1251

Change in interest rate (%)	Your monthly payment (£)	Color
+0.00%	208.00	#01b6c7
+0.25%	229.00	#1c1251
+0.50%	250.00	#1c1251
+1.00%	291.67	#1c1251
+2.00%	375.00	#1c1251
+3.00%	458.33	#1c1251

Edit details Next steps

What can you do next?

Need to contact us about your existing mortgage?

Switch to repayment

The reassurance of repaying your mortgage in full at the end of your mortgage term.

Switch to a new rate

If you're thinking of switching your mortgage deal, we're here to help.

Make overpayments

If you can afford to pay more each month, overpayments are easy to set up, they can be made at any time and you will not be charged any fees by us for making them.

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Understanding the Bank of England Base Rate change.

We've got all the information, support and guidance you need.

YOUR HOME MAY BE REPOSSESSED IF YOU DO NOT KEEP UP REPAYMENTS ON A MORTGAGE OR ANY OTHER DEBT SECURED ON IT.

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Using this online form

Please ensure you complete all sections accurately to help us process your form as quickly as possible. We may not be able to process your request if the form is incomplete or contains errors.

You can find details of your account number and normal monthly payment date on your annual mortgage statement. We also include account numbers on most letters that we send to customers.

Request a payment holiday

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