Your interest rate - Morag

Your interest rate


The interest rate that applies to your mortgage will depend on the original product deal that you took out. However, the interest rate may have been altered if any product changes have been applied to your account since that date.


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

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.

Not all customers can register for Self-Serve. You can find out who can register on our using Self-Serve page.

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we may have sent you, or in your most recent annual mortgage statement – noting that some of that information could be out of date depending on when the statement was sent, as changes may have occurred since then.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 ten 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 Offer that you accepted when you took out your mortgage. Alternatively, please contact us to check.

If you’re worried about making your monthly mortgage payments or are already struggling, please call us and we’ll try to help. Simply talking to us won’t affect your credit file – and the sooner you get in touch the better, as there are often more ways we can help.

Contact us

Please note, this page contains links to external websites. We are not responsible for the content of external websites. 

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