Demo rate card4.59% fixed for 2 years; then 6.49% assumed variable rate
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 detail | Demo terms |
|---|---|
| Account type | Repayment mortgage |
| Rate, reward or charge | 4.59% fixed for 2 years; then 6.49% assumed variable rate |
| Illustrative advance | £25,000.00 to £500,000.00 |
| Access | Monthly capital-and-interest repayments over 25 years in the illustration |
| Eligibility in the scenario | An adult story applicant with a deposit of at least 20% and assumed affordability |
| Fees | £999.00 arrangement fee, paid upfront |
| Currency | GBP (£), used solely for fictional calculations |
Try your own numbers
Change the amounts to see what Treehouse Mortgage would do in the story. Fictional figures, no application, no advice.
- Then at the 6.49% reversion rate
- £1,334.37
- Total interest over the term
- £195,213.58Plus the £999.00 arrangement fee
- Deposit needed
- £50,000.0020% of the price; 80% loan to value
Treehouse Mortgage 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.
The reversion rate is held constant; a real variable rate would move.
View as a table
| Point | Balance owed |
|---|---|
| Start | £200,000 |
| Y1 | £195,626 |
| Y2 | £191,047 |
| Y3 | £187,324 |
| Y4 | £183,352 |
| Y5 | £179,114 |
| Y6 | £174,593 |
| Y7 | £169,770 |
| Y8 | £164,625 |
| Y9 | £159,135 |
| Y10 | £153,278 |
| Y11 | £147,030 |
| Y12 | £140,364 |
| Y13 | £133,252 |
| Y14 | £125,664 |
| Y15 | £117,569 |
| Y16 | £108,933 |
| Y17 | £99,720 |
| Y18 | £89,890 |
| Y19 | £79,403 |
| Y20 | £68,215 |
| Y21 | £56,279 |
| Y22 | £43,545 |
| Y23 | £29,959 |
| Y24 | £15,465 |
| Y25 | £0.00 |
- Interest
- Capital repaid
Early years are at the introductory fixed rate; later years at the assumed reversion rate.
View as a table
| Category | Interest | Capital repaid |
|---|---|---|
| Year 1 | £9,089 | £4,374 |
| Year 2 | £8,884 | £4,579 |
| Year 3 | £12,289 | £3,723 |
| Year 5 | £11,775 | £4,237 |
| Year 10 | £10,156 | £5,857 |
| Year 15 | £7,918 | £8,095 |
| Year 20 | £4,824 | £11,188 |
| Year 25 | £549.09 | £15,465 |
A £200,000 repayment-mortgage illustration
| Item | Model amount |
|---|---|
| Treehouse price | £250,000.00 |
| Deposit (20%) | £50,000.00 |
| Advance (80% LTV) | £200,000.00 |
| Term | 25 years / 300 monthly payments |
| Months 1–24 payment | £1,121.91 |
| Months 25–299 payment | £1,334.37 |
| Adjusted final payment | £1,335.99 |
| Upfront arrangement fee | £999.00 |
| Total interest | £195,213.58 |
| Total repayments plus arrangement fee | £396,212.58 |
| Illustrative model APRC | 6.35% |
Selected years of the repayment schedule
| Year | Payments in that year | Interest | Capital repaid | Balance at year end |
|---|---|---|---|---|
| 1 | £13,462.92 | £9,088.72 | £4,374.20 | £195,625.80 |
| 2 | £13,462.92 | £8,883.68 | £4,579.24 | £191,046.56 |
| 3 | £16,012.44 | £12,289.49 | £3,722.95 | £187,323.61 |
| 5 | £16,012.44 | £11,774.95 | £4,237.49 | £179,114.21 |
| 10 | £16,012.44 | £10,155.68 | £5,856.76 | £153,278.16 |
| 15 | £16,012.44 | £7,917.62 | £8,094.82 | £117,569.42 |
| 20 | £16,012.44 | £4,824.38 | £11,188.06 | £68,215.36 |
| 25 | £16,014.06 | £549.09 | £15,464.97 | £0.00 |
Assumptions: 4.59% nominal annual interest for 24 months, then 6.49% for the remaining 276 months. The latter is a variable rate held constant only for illustration. Interest is calculated monthly on the outstanding balance and rounded to pennies. Payments are recalculated at month 25; the final payment clears the balance. No overpayments, missed payments or fees other than the £999.00 upfront fee. No valuation, legal, tax or insurance costs are included. The model APRC is the annualised monthly cash-flow return using the advance less the upfront fee; it is an illustrative calculation, not a regulated quotation.
Top questions about Treehouse Mortgage
What is Treehouse Mortgage for?
A made-up mortgage with a two-year introductory fixed rate. The repayment table includes the assumed rate change after month 24, so the attractive opening payment is not mistaken for a 25-year guarantee. Its story purpose is buying a fictional treehouse. Everything on this site is fictional; nothing can be applied for.
What rate does Treehouse Mortgage charge?
4.59% fixed for 2 years; then 6.49% assumed variable rate. The reversion rate is held constant only for illustration.
Treehouse Mortgage is repayment mortgage in the Mortgages range, used for buying a fictional treehouse. Its live rate card, summary and worked tables sit above this text and update whenever the product record changes.
Meet your next imaginary account
The purpose of Treehouse Mortgage is buying a fictional treehouse. Start with the access rules, then compare the cost or return with your story’s timescale. A higher headline figure does not make a locked account suitable for an immediate bill, and a reward percentage is not the same as an interest rate.
Other mortgage terms in the story
There are no overpayments in the repayment table. The separate early-repayment illustration would charge 2% of capital repaid early during months 1–12, 1% during months 13–24 and zero after that; those charges are excluded from the scheduled-payment total. The £999 fee is paid upfront rather than added to the advance. This is not a loan offer, affordability decision or property valuation.
See the whole Mortgages 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.
AcornBank: entirely fictional banking, exceptionally committed squirrels.