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Loans · Products · FROM THE ACORNBANK FOREST

Treehouse Improvement Loan — Worked Woodland Examples

Larger sums over longer terms for work on the drey, at a slightly lower fixed rate. The illustration is unsecured: the treehouse itself is never at risk, which is more than can be said for the roof.

A wheelbarrow full of acorns.
A fictional bank, a real sense of humour. All people, places, products and figures are invented. No real banking or financial advice. About this demo.

Demo rate card5.9% APR representative (fixed); £7,500.00 to £40,000.00 over 2 to 10 years

The pound values and percentages on this page are invented AcornBank product terms, chosen for a realistic bank-style example. They are not current market offers, an invitation to deposit or invest money or a forecast of what a real bank will pay.

Product detailDemo terms
Account typeFixed-rate home improvement loan
Rate, reward or charge5.9% APR representative (fixed); £7,500.00 to £40,000.00 over 2 to 10 years
Illustrative loan amount£7,500.00 to £40,000.00 over 24 to 120 months
AccessFixed monthly repayments over 2 to 10 years; early settlement allowed with up to 58 days’ interest in the model
Eligibility in the scenarioAn adult story applicant who owns or rents a fictional treehouse, with assumed affordability
FeesNo arrangement fee; early settlement costs up to 58 days’ interest
Representative example£10,000.00 over 84 months
CurrencyGBP (£), used solely for fictional calculations

Try your own numbers

Change the amounts to see what Treehouse Improvement Loan would do in the story. Fictional figures, no application, no advice.

Monthly payment£144.875.9% APR representative, fixed
Total interest
£2,169.23
Total repayable
£12,169.2384 payments
Balance halfway through
£5,499.97Settling then costs up to 58 days’ interest on top.

Treehouse Improvement Loan in charts

The same fictional model as the tables below, drawn rather than written. Hover or focus a mark for its value, or open the table view.

Monthly payment on £10,000 by term5.9% APR representative, fixed
£0£200£400£60024 months · Monthly payment: £442.06£442.0624 months36 months · Monthly payment: £303.07£303.0736 months48 months · Monthly payment: £233.69£233.6948 months60 months · Monthly payment: £192.15£192.1560 months84 months · Monthly payment: £144.87£144.8784 months

A longer term lowers the payment and raises the total repayable; the tables show both.

View as a table
CategoryMonthly payment
24 months£442.06
36 months£303.07
48 months£233.69
60 months£192.15
84 months£144.87
Total interest on £10,000 by termThe cost of spreading the same amount
£0£1,000£2,000£3,00024 months · Total interest: £609.54£609.5424 months36 months · Total interest: £910.57£910.5736 months48 months · Total interest: £1,217£1,21748 months60 months · Total interest: £1,529£1,52960 months84 months · Total interest: £2,169£2,16984 months
View as a table
CategoryTotal interest
24 months£609.54
36 months£910.57
48 months£1,217
60 months£1,529
84 months£2,169
Balance on £10,000 over 84 monthsEqual payments, interest falling every month
£0£2,500£5,000£7,500£10,000StartM13M26M39M52M65M78M84Start · Balance: £10,000M1 · Balance: £9,903M2 · Balance: £9,806M3 · Balance: £9,708M4 · Balance: £9,609M5 · Balance: £9,510M6 · Balance: £9,411M7 · Balance: £9,311M8 · Balance: £9,211M9 · Balance: £9,110M10 · Balance: £9,009M11 · Balance: £8,907M12 · Balance: £8,805M13 · Balance: £8,702M14 · Balance: £8,599M15 · Balance: £8,495M16 · Balance: £8,391M17 · Balance: £8,287M18 · Balance: £8,181M19 · Balance: £8,076M20 · Balance: £7,969M21 · Balance: £7,863M22 · Balance: £7,756M23 · Balance: £7,648M24 · Balance: £7,540M25 · Balance: £7,431M26 · Balance: £7,322M27 · Balance: £7,212M28 · Balance: £7,101M29 · Balance: £6,990M30 · Balance: £6,879M31 · Balance: £6,767M32 · Balance: £6,655M33 · Balance: £6,542M34 · Balance: £6,428M35 · Balance: £6,314M36 · Balance: £6,199M37 · Balance: £6,084M38 · Balance: £5,968M39 · Balance: £5,852M40 · Balance: £5,735M41 · Balance: £5,618M42 · Balance: £5,500M43 · Balance: £5,381M44 · Balance: £5,262M45 · Balance: £5,143M46 · Balance: £5,022M47 · Balance: £4,902M48 · Balance: £4,780M49 · Balance: £4,658M50 · Balance: £4,536M51 · Balance: £4,413M52 · Balance: £4,289M53 · Balance: £4,164M54 · Balance: £4,040M55 · Balance: £3,914M56 · Balance: £3,788M57 · Balance: £3,661M58 · Balance: £3,534M59 · Balance: £3,406M60 · Balance: £3,277M61 · Balance: £3,148M62 · Balance: £3,018M63 · Balance: £2,888M64 · Balance: £2,757M65 · Balance: £2,625M66 · Balance: £2,493M67 · Balance: £2,360M68 · Balance: £2,226M69 · Balance: £2,092M70 · Balance: £1,957M71 · Balance: £1,822M72 · Balance: £1,686M73 · Balance: £1,549M74 · Balance: £1,411M75 · Balance: £1,273M76 · Balance: £1,135M77 · Balance: £995.09M78 · Balance: £854.99M79 · Balance: £714.21M80 · Balance: £572.76M81 · Balance: £430.63M82 · Balance: £287.82M83 · Balance: £144.33M84 · Balance: £0.00£0.00
View as a table
PointBalance
Start£10,000
M1£9,903
M2£9,806
M3£9,708
M4£9,609
M5£9,510
M6£9,411
M7£9,311
M8£9,211
M9£9,110
M10£9,009
M11£8,907
M12£8,805
M13£8,702
M14£8,599
M15£8,495
M16£8,391
M17£8,287
M18£8,181
M19£8,076
M20£7,969
M21£7,863
M22£7,756
M23£7,648
M24£7,540
M25£7,431
M26£7,322
M27£7,212
M28£7,101
M29£6,990
M30£6,879
M31£6,767
M32£6,655
M33£6,542
M34£6,428
M35£6,314
M36£6,199
M37£6,084
M38£5,968
M39£5,852
M40£5,735
M41£5,618
M42£5,500
M43£5,381
M44£5,262
M45£5,143
M46£5,022
M47£4,902
M48£4,780
M49£4,658
M50£4,536
M51£4,413
M52£4,289
M53£4,164
M54£4,040
M55£3,914
M56£3,788
M57£3,661
M58£3,534
M59£3,406
M60£3,277
M61£3,148
M62£3,018
M63£2,888
M64£2,757
M65£2,625
M66£2,493
M67£2,360
M68£2,226
M69£2,092
M70£1,957
M71£1,822
M72£1,686
M73£1,549
M74£1,411
M75£1,273
M76£1,135
M77£995.09
M78£854.99
M79£714.21
M80£572.76
M81£430.63
M82£287.82
M83£144.33
M84£0.00

Monthly payment and total repayable

Each cell shows the monthly payment, then the total repayable over the term.

Amount24 months36 months60 months84 months
£10,000.00£442.06 / £10,609.54£303.07 / £10,910.57£192.15 / £11,529.04£144.87 / £12,169.23
£15,000.00£663.10 / £15,914.26£454.61 / £16,365.80£288.23 / £17,293.48£217.31 / £18,253.83
£25,000.00£1,105.16 / £26,523.78£757.68 / £27,276.36£480.38 / £28,822.49£362.18 / £30,423.06

Representative example: £10,000.00 over 84 months

ItemModel amount
Amount borrowed£10,000.00
Term84 monthly payments
Fixed rate5.9% APR representative
Monthly payment£144.87
Total interest£2,169.23
Total repayable£12,169.23

How the balance falls

YearPaymentsOf which interestBalance at year end
1£1,738.44£543.48£8,805.04
2£1,738.44£472.97£7,539.57
3£1,738.44£398.28£6,199.41
4£1,738.44£319.24£4,780.21
5£1,738.44£235.51£3,277.28
6£1,738.44£146.82£1,685.66
7£1,738.59£52.93£0.00

Settling early

ItemModel amount
Balance after 42 payments£5,499.97
58 days’ interest in the model£51.56
Amount to settle£5,551.53
Interest saved versus running to term£533.16

Assumptions: the fixed rate is converted to an equivalent monthly rate, payments are equal with an adjusted final payment, interest is rounded monthly and nothing is missed or overpaid. The early-settlement figure follows the usual up-to-58-days convention. This is a fictional illustration, not a credit agreement or a quotation.

Treehouse Improvement Loan is fixed-rate home improvement loan in the Loans range, used for a new roof, a bigger balcony or a second hollow. Its live rate card, summary and worked tables sit above this text and update whenever the product record changes.

Follow the numbers, not just the headline

The tables show the opening amount, time period and result for this product type. Savings figures are before tax unless the wrapper is tax-free; investment figures are scenarios, not forecasts; borrowing figures separate payments, interest and outstanding balance. A displayed result is conditional on its assumptions, not a guarantee. Keep unrelated examples separate rather than adding their balances together.

See the whole Loans range or compare every product on the rates page.

What the example does not promise

All figures are invented and shown to make the demo useful to read and crawl. No money is held, no application is available, and no deposit-protection, regulatory or tax-wrapper status is claimed. Calculations do not account for personal tax, inflation or unstated changes in rates. The fictional bank manager can guarantee only that the next paragraph contains no real acorns.

Related reading

AcornBank: entirely fictional banking, exceptionally committed squirrels.