A mortgage that's part of your life

Here's how it works:

You can pay any cash savings you have into an offset account, which is linked to your variable rate Freestyle Mortgage. Each month, whilst we don't pay you interest on this money, we don't charge you any interest on the equivalent amount of money in your mortgage.

Your interest savings let you choose to either:

• keep your payments the same and reduce your mortgage term, or

• have your payments reviewed on the mortgage review date and reduce your monthly mortgage payments.

A little help now and then

But what about the times when you're short of cash? How about being able to miss a mortgage payment? If you have a Cash Reserve or Prepayment Reserve, you could take up to two payment holidays a year. This could be really handy at expensive times of the year like Christmas and the summer holidays.

Freestyle can also give you access to the money that's tied up in your home with Cash Reserve, so you can get the things you need. Use it to pay for anything - a new car, a makeover for your home, or your child's school fees. The great thing about Cash Reserve is that it's available at Freestyle's competitive mortgage rates which, while being a secured form of lending, may be better value for your money than taking out an unsecured personal loan.

A real winner

Freestyle is fast becoming one of the UK's most popular mortgages. It's also an award winner, having picked up several prizes from the people who know mortgages best.

Taking the next step is easy

Interested? Taking out or switching to a Freestyle Mortgage from Standard Life Bank is quick and easy. We do all the hard work for you. Check out our website at www.standardlifebank.com now for more information and to start your application online. If you prefer, you can call us direct on 0845 845 8450 or speak to your financial adviser.