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Paying us back

To show you the payments you've made, your outstanding balance and interest, and insurance charges, we'll normally send you a mortgage statement on 31st December, unless you have a Flexible mortgage when you will receive an annual statement every 12 months from inception of the account. Offset mortgage accounts will receive a statement every 3 months from inception of the account.

There are two main methods of paying your mortgage - repayment and interest only. You can choose from either one of these methods or a combination of the two.

  • Repayment Mortgage: Your payments pay back both the interest and part of your loan at the same time, reducing the balance of your mortgage. It is calculated so that at the end of your mortgage term, your mortgage - including interest - is paid in full.
  • Interest Only Mortgage: Your payments only cover the interest on your loan. The size of the loan remains constant and you must arrange some means to repay the loan at the end of the term, for example an endowment policy.

Find out how we calculate interest on mortgage accounts.

Get in touch

Get in touch

If your mortgage is with Britannia and you have a query about it, please call 0845 121 7901.

Opening Times: Mon-Fri 8am-8pm, Sat 9am-12noon

Calls may be recorded and/or monitored.

If you wish to talk about moving your mortgage to Britannia, please call us on 0800 526 350.

0800 - Calls from a BT landline are free, however mobile providers may charge.

Lines open: Mon-Fri 8am-8pm, Sat 9am-1pm

Calls may be recorded and/or monitored.

www.britannia.co.uk