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 |
Treehouse Mortgage questions
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.
How much can I borrow with Treehouse Mortgage?
Illustrative advance: £25,000.00 to £500,000.00, at up to 80% loan to value in the model.
What does Treehouse Mortgage cost overall?
The product page totals every payment plus the £999 arrangement fee and shows an illustrative APRC. Total interest on the £200,000 example is a little over £195,000.
Mortgages questions
Shared across the whole range.
What deposit does the mortgage example assume?
A 20% deposit: £50,000 on a £250,000 treehouse, giving a £200,000 advance at 80% loan to value.
What happens after the two-year fixed period?
The payment is recalculated at the assumed 6.49% reversion rate, so the monthly amount rises from £1,121.91 to £1,334.37 in the model. The reversion rate is held constant for illustration only.
What fees does the mortgage carry?
A £999 arrangement fee paid upfront, included in the total cost figure. No valuation, legal or insurance costs are modelled.
Can I overpay?
Not in the repayment table. A separate illustration would charge 2% of capital repaid early in year one, 1% in year two and nothing after that.
What is the illustrative APRC?
The annualised cost of the whole schedule including the upfront fee, calculated from the monthly cash flows. It is a model figure, not a regulated quotation.
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.
Frequently asked squeaks
The questions and answers on this page come from AcornBank’s single shared FAQ collection, so the same wording appears here, on the Mortgages hub and in the full FAQ list. Every answer is about a fictional product: 4.59% fixed for 2 years; then 6.49% assumed variable rate is a demo figure and nothing can be applied for. The summary and worked figures below give the numbers the answers refer to.
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.
Related reading
- This Is a Fictional Bank — No Real Banking Here
- Site Map — Every Branch of AcornBank
- Rates — Savings, Borrowing and Rewards
- Help — Unruffle Your Tail
- Mortgages — Borrowing for a Treehouse
- Treehouse Mortgage — Compare the Canopy
- Treehouse Mortgage — Fictional Product Terms
AcornBank: entirely fictional banking, exceptionally committed squirrels.