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By paying a sum on top of your monthly payments you’re opting out of paying the missed payments whilst you were on a payment holiday over the remaining term of the mortgage (this is known as capitalisation). Paying the missed payments earlier will cost you less than capitalising those payments.

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Thank you for your request. We appreciate your patience and understanding at this time.

AER stands for Annual Equivalent Rate and illustrates what the interest rate would be if interest was paid and compounded once each year. As every advertisement for a savings product will contain an AER you will be able to compare more easily what return you can expect from your savings over time.

krbs, Kent Reliance Banking Services and Kent Reliance are trading names of OneSavings Bank plc. Registered in England and Wales (company number 7312896). Registered office: Reliance House, Sun Pier, Chatham, Kent, ME4 4ET. OneSavings Bank plc is authorised by the Prudential Regulation Authority and regulated by the Financial Conduct Authority and the Prudential Regulation Authority (registered number 530504). We subscribe to the Financial Services Compensation Scheme and the Financial Ombudsman Service. Visit the Money Advice Service

© 2020 OneSavings Bank plc

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