Bank of England base rate reduction – 1 Aug 2024

On Thursday 1 August, the Bank of England base rate (the Bank Rate) fell from 5.25% to 5.00%.

As a result, the interest rate on all our mortgages and loans that track the Bank Rate has been reduced by 0.25%.

Our Standard Variable Rate (SVR) has also been reduced by 0.25% to 8.49%.

Depending on your mortgage or loan, this change will have been effective from 1 September 2024 or from 1 October 2024. We’ve now written to you to confirm the details and you should have received our letter.

For more information about rate changes, including a set of FAQs, please see our Rate change information page.

See your new rate and monthly payment in Self-Serve

Our online Self-Serve system is available 24 hours a day, 7 days a week from any device.

If your interest rate and monthly payment are about to change, you can find details of your new rate and payment amount in Self-Serve.

If your interest rate and monthly payment are due to change at the start of the following month, this information will be available in Self-Serve after we have processed the rate change on your account. We’ll do this as soon as possible, although it can sometimes take several days.

If you call us. we won’t be able to confirm your new rate and payment until it’s also showing in Self-Serve. So, if it’s not there, please check back later.

Sign in now – if you’ve already registered on Self-Serve, you can sign in to your account at any time.

Register now – to use Self-Serve for the first time, you’ll need to register and create your secure account.

Not all customers can register for Self-Serve. You can see more details on our using Self-Serve page.

Bank of England base rate reduction – 1 Aug 2024

On Thursday 1 August, the Bank of England base rate (the Bank Rate) fell from 5.25% to 5.00%.

As a result, the interest rate on all our mortgages and loans that track the Bank Rate has been reduced by 0.25%.

Our Standard Variable Rate (SVR) has also been reduced by 0.25% to 8.49%.

For more information about rate changes, including a set of FAQs, please see our Rate change information page.

Our Easter opening hours

If you need to call us over the Easter weekend, please note that our phone lines will be closed on Friday 29 March and Monday 1 April.

Outside of these two bank holidays, we’re open as normal. You can see details of our opening times on our contact us page.

Making your monthly payment

If you need to make a payment this month, please remember that we must receive your payment before the end of March, or you could fall into arrears.

If you don’t pay by Direct Debit, you’ll need to ensure that we receive your payment before the end of March. If you usually speak with us to make a debit card payment, please make sure you’re aware of our opening times, as you may need to contact us earlier than usual this month.

You may be able to use our automated payment line or our online Self-Serve system. Find out more details about all our payment methods here.

Find out information about your account using Self-Serve

Self-Serve is our secure online service that gives you more control over your mortgage or loan, and is available 24 hours a day, 7 days a week.

With Self-Serve, you can find key information about your account and carry out many tasks online, without having to call us.

You can use Self-Serve to:

Check your monthly payment details, see recent payments made and the total amount you currently owe.
See your remaining term, current interest rate and repayment type.
Find details of your new payment amount when this has changed due to an interest rate change.
Make monthly debit card payments quickly and securely.
Check and update your contact or correspondence details.
Make a lump sum overpayment by debit card.
Request account information from us, such as a redemption statement.
Send us a query as a secure message – and if you need a response, we’ll aim to reply within five working days.

Please note – not all of these features are available or relevant for customers who have standalone unsecured loans.

Sign in now – if you’ve already registered on Self-Serve, you can sign in to your account at any time, from any device.

Register now – to use Self-Serve for the first time, you’ll need to register and create your secure account.

Find out more about using Self-Serve.

Our Easter opening hours

If you need to call us over the Easter weekend, please note that our phone lines will be closed on Friday 29 March and Monday 1 April.

Outside of these two bank holidays, we’re open as normal. You can see details of our opening times on our contact us page.

Making your monthly payment

If you need to make a payment this month, please remember that we must receive your payment before the end of March, or you could fall into arrears.

You may be able to use our automated payment line or our online Self-Serve system. Find out more details about all our payment methods here.

Find out information about your account using Self-Serve

Self-Serve is our secure online service that gives you more control over your mortgage or loan, and is available 24 hours a day, 7 days a week.

With Self-Serve, you can find key information about your account and carry out many tasks online, without having to call us.

How to use the redemptions virtual assistant

Simply click on the small button that’ll appear in the bottom right corner of certain pages of our website.

You can then start a conversation by asking the redemptions virtual assistant a question, or by selecting one of the handy in-built options.

Please note – the virtual assistant tool will only display and work correctly if you’ve enabled Statistics cookies on this website. You can check or change your preferences on our cookies page.

We hope the redemptions virtual assistant is useful for you, but if you need any other information, please see our redemptions page or contact us for further support.

Our Easter opening hours

If you need to call us over the Easter weekend, please note that our phone lines will be closed on Friday 29 March and Monday 1 April.

Outside of these two bank holidays, we’re open as normal. You can see details of our opening times on our contact us page.

Making your monthly payment

If you need to make a payment this month, please remember that we must receive your payment before the end of March, or you could fall into arrears.

You may be able to use our automated payment line or our online Self-Serve system. Find out more details about all our payment methods here.

Find out information about your account using Self-Serve

Self-Serve is our secure online service that gives you more control over your mortgage or loan, and is available 24 hours a day, 7 days a week.

With Self-Serve, you can find key information about your account and carry out many tasks online, without having to call us.

You can use Self-Serve to:

Check your monthly payment details, see recent payments made and the total amount you currently owe.
See your remaining term, current interest rate and repayment type.
Find details of your new payment amount when this has changed due to an interest rate change.
Make monthly debit card payments quickly and securely.
Check and update your contact or correspondence details.
Make a lump sum overpayment by debit card.
Request account information from us, such as a redemption statement.
Send us a query as a secure message – and if you need a response, we’ll aim to reply within five working days.

Please note – not all of these features are available for customers holding a standalone unsecured loan.

Find out more – see more details about using Self-Serve here, or see how you can use the system to find out information about your account.

Sign in now – if you’ve already registered on Self-Serve, you can sign in to your account at any time, from any device.

Register now – to use Self-Serve for the first time, you’ll need to register and create your secure account.