Ģ����Ƶ

• Log on to view your annual overpayment allowance
• Select your mortgage account
• Tap on ‘Overpayment details’
• If you have a fixed mortgage rate, you can log on to view your annual overpayment allowance, too

Our lines are open Monday to Friday 08:00 to 20:00, Saturday and Sunday 09:00 to 17:00. Calls may be monitored and recorded. Opening hours within the mortgage departments may vary.

Your AOA changes each year of your fixed-rate period. To find out what your current overpayment allowance is, log into the Ģ����Ƶ Mobile app and select your mortgage account, then choose 'Make an overpayment'. You can also view this in your online banking or you can give us a call.

If you have a tracker or variable rate, there are no limits or charges for making overpayments.

If you’re on a fixed-rate, there'll be no change to your payments.

If you’re on a tracker mortgage and your overpayment is made via the same Direct Debit as your standard monthly payment, there may be an impact on your payments.

If your Direct Debit is set to a 'Total' amount each month and there's an increase in the Bank of England base rate, your Direct Debit will only change if your standard monthly payments exceed your set total. For example, if you were paying £500 each month via Direct Debit, that would be broken down to:

• £450 as your standard monthly payment
  and
• £50 as a top-up overpayment to make it to £500 per month

If the standard payment increases to £475 per month, then the top-up overpayment would reduce to £25 per month. If the standard payment increases to £550 per month, the top-up overpayment would be cancelled.

If your Direct Debit is set to 'Additional' amount each month and there's an increase in rates, your Direct Debit will increase. For example, if you were paying £500 each month via Direct Debit, that would be broken down to:

• £450 as your standard monthly payment
  and
• £50 as an additional regular monthly overpayment

If the standard payment increases to £550 per month, then with the additional overpayment of £50, your new Direct Debit amount would be £600 per month.

Find out more about how a base rate change could affect your mortgage.

If you want to make a change to your Direct Debit amount, you’ll need to call us or contact us via Web Chat. The Web Chat is only available from 8am to 6pm Monday to Friday”

Your mortgage account number and sort code are often displayed together and referred to as your mortgage account number. You'll need these if you want to set up a regular standing order for your mortgage payments or to set up overpayments.

You can also find these on the mobile app or by logging onto your online banking and going to ‘My Accounts’.

Sort code

Your mortgage sort code is the first 6 digits of your mortgage account number and will always begin with '40'.

Account number

Your mortgage account number is the following 8 digits of the mortgage account number.

We'll provide you with a redemption statement, which includes the amount you need to repay.  This figure assumes that all of your standard monthly payments up to and including the date of the statement will be met.

To avoid the possibility of any underpayment of your mortgage, don't cancel your Direct Debit. If your mortgage is repaid within 5 working days of your standard monthly payment date, your Direct Debit may still be collected. If any payments aren't met, we can’t close your mortgage account until the remaining balance is received.

When you’ve repaid your mortgage in full we'll cancel your Direct Debit.  We’ll also refund any excess you may have repaid over the redemption figure within 7 working days.