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General Account Information

Potential Interest Rate Changes

As a responsible lender Amber are preparing our customers for any potential future interest rate rises

As an example based on an average interest only mortgage with a balance of £135,000, and a general interest rate of 4.2%, if rates increase by 1% then the monthly payments will go up by approximately £113.00. Rates may however, increase by much more than this over time.

If you foresee any difficulties in making your mortgage payments, you can contact Amber on 0345 602 0750. Alternatively select the 'Payment Difficulties' options below to see what assistance is available.

Payment Protection Insurance for Mortgages - (M) PPI

(M)PPI complaints deadline 29 August 2019

(M)PPI - an overview

(M)PPI is designed to protect you against loss of income by helping you meet your mortgage payments should you become unable to work because of an accident, illness or unemployment.

How do I know if I had (M)PPI?

Details of the cover would have been provided in your mortgage offer, on your annual mortgage statements or your annual insurance schedule.

If you have held a (M)PPI policy but believe it was mis-sold, you should direct your enquiry to the intermediary or mortgage broker who advised or arranged the policy with your mortgage, as they are responsible for investigating (M)PPI complaints. Amber Homeloans Ltd did not provide any advice on the sale of (M)PPI policies.

If you're unsure if you had (M)PPI you should contact your broker. You will need your mortgage account number, full name and address, along with the address of the property the mortgage relates to. If your check comes back positive and you wish to make a complaint about its sale, you can then move to complain.

Before making a complaint to your broker, ahead of the deadline, you must allow 8 weeks (40 business days) for your (M)PPI check to be carried out.

19 September 2019

Contact Us

Call us on 0345 602 0750*

Fax us on 0345 602 0738

Our lines are open:

Monday - Friday
9:00 - 17:00 Customer Contact Centre

8:30 - 20:00 Credit Management Department

9:00 - 13:00 Credit Management option only.

Email us

Our Interest Rates





Bank of England Base Rate


Historical Interest Rates

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*Calls may be recorded for training, monitoring and regulatory record keeping purposes
Amber Homeloans Ltd is authorised and regulated by the Financial Conduct Authority under registration number 306346
Registered office: The Bailey, Skipton, North Yorkshire, BD23 1DN Registered in England and Wales number 2819645
Subject to status and valuation. Amber requires a first mortgage on the property. Minimum age 18 years. Site intended for UK residents only.