The mortgage illustration is a document that forms part of your mortgage offer. It is tailored to your individual circumstances and sets out everything you need to know about your mortgage.

Your illustration will show you the following information:

  • Your monthly repayments

  • Any fees or charges you have to pay upfront to get the mortgage

  • The overall cost of the mortgage, including interest, over the full mortgage term

  • The rate of interest or Annual Percentage Rate of Charge (APRC) and the type of interest (fixed or variable) - There is more information on APRC at the end of this page

  • What happens if interest rates rise and how this affects your repayments

  • If there are any special features of the mortgage, such as the ability to overpay or underpay

  • If you can make overpayments to the mortgage and any penalties for doing so

  • What happens if you don’t want the mortgage anymore

  • The length of the reflection period

The offer document should confirm the period for which the offer is valid.

You should read this document carefully before applying.

If you have any questions in regards to this document, please reach out to your Mortgage Advisor or your Customer Champion.

Why is it sometimes called an ESIS?

ESIS stands for European Standardised Information Sheet. It's simply an illustration by another name.

The APRC

The Mortgage Illustration includes an Annual Percentage Rate of Charge (APRC).


The APRC takes account of fees and charges to reflect the total cost of your mortgage.


Your Mortgage Illustration will detail the fees included in this calculation.


An APRC is calculated using a standard method so that you can compare mortgages from different lenders.

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