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To provide a clearer picture of the information in your Year End Mortgage Statement we have provided sample forms with comprehensive explanations of each section.

We can provide online assistance with the Mortgage Statement Summary, Mortgage Statement Transactions, Mortgage Statement 2007 Insert and Your Mortgage Statement Notes.

Your Mortgage Transactions

†please note: Two additional columns have been included to show month and actual contractual monthly payment due. This may differ from actual payment received, depending on whether you are making regular overpayments or have some other agreed arrangement with us.

Account transaction details

Date †	Payment Due †	Transactions	Date	Payments	Advances & Charges
?	?	?	?	?	?
Jan 11	£399.00	OPENING BALANCE	01 Jan 11		£102868.76
		DIRECT BALANCE	01 Jan 11	£475.00
Feb 11	£399.00	DIRECT BALANCE	01 Feb 11	£475.00
Mar 11	£422.00	DIRECT BALANCE	01 Mar 11	£475.00
Apr 11	£422.00	DIRECT BALANCE	01 Apr 11	£475.00
May 11	£422.00	COMPLETION FEE	12 May 11		£499.00
		DIRECT BALANCE	01 May 11	£475.00
Jun 11	£259.00	DIRECT BALANCE	01 Jun 11	£259.00
Jul 11	£276.00	DIRECT BALANCE	01 Jul 11	£276.00
Aug 11	£276.00	DIRECT BALANCE	01 Aug 11	£276.00
Sep 11	£276.00	DIRECT BALANCE	01 Sep 11	£276.00
Oct 11	£321.08	DIRECT BALANCE	01 Oct 11	£321.08
Nov 11	£321.08	DIRECT BALANCE	01 Nov 11	£321.08
Dev 11	£321.08	DIRECT BALANCE	01 Dec 11	£321.08
	£4114.21			£4425.21	£103367.76
		add gross interest: ?			£4531.14
	?	less total payments:			£4425.21
		balance at 31 december 2011: ?			£103473.69

Mortgage helpline – 0845 850 1711*

Why is the "Payment Due" different from the "Payments" column on my statement?

In most cases the "Payment Due" and "Payments" column will be identical. However, there will be some instances where they will be different. The notes below cover the most common reasons for any differences.

The amount in the "Payments" column is greater than in the "Payments Due" column.

• You may have set up a regular overpayment and so you are paying more than the minimum monthly payment each month. This will reduce the balance outstanding and the interest charged over the term of the mortgage.
• You may have an arrangement in place to make up for some missed payments in previous months.

The amount in the "Payments Due" column is greater than the "Payments" column. This means you are paying less than the minimum monthly payment generally required under the mortgage.

• This may be because you have an arrangement in place to pay a reduced payment for a period.
• If you control your payments to the Society (you do not pay by direct debit, for instance) you may not have changed your payment immediately after a rate change or other change on your account.
• Part of your mortgage payment may be being made by the DSS. These payments are sent every 4 weeks and therefore do not arrive on the same date each month.