This calculator should be used as a guide for illustrative purposes only. Actual figures may vary depending on your circumstances.

Rates are usually quoted as a value over base rate. Depending on circumstances these rates can typically vary from 0.5% to 3% over base.
Base Rate is currently 0.5% 5 Mar 09

Example: 4.0% over base = 0.5% + 4.0% = 4.5%