Your interest rate
The current interest rate on your mortgage will depend on the original deal that you took out with NRAM, and whether any product changes have happened since then.
The interest rate and type of rate hasn’t changed as a result of your mortgage moving to us.
Find out what rate you’re on
You can quickly find your current mortgage interest rate and monthly payment amount using our online Self-Serve system. This is available 24 hours a day, 7 days a week from any device.
What’s more, if your interest rate and monthly payment will be changing due to an interest rate change, you’ll see details of the new payment amount and the date this will apply.
For more details, please see our Self-Serve section.
Find out information about your account online with Self-Serve
You can also find your current interest rate on the latest rate change letter that we may have sent you, or in your most recent annual mortgage statement – noting that some of that information could be out of date depending on when the statement was sent, as changes may have occurred since then.
Alternatively, please contact us and we’ll give you this information.
Interest rate changes
If your interest rate is changing, we will write to you at least 4 working days before any change is made to your required monthly payment.
You can find out the latest information about interest rate changes here.
Interest rate types
There are different interest rate types, with useful explanations shown below.
If you’re unsure which type of interest rate you’re on, please have a look at the mortgage Terms and Conditions that you’ll have been given when you originally took out your mortgage with NRAM.
Alternatively, please contact us to check.
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