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From: "Calvert, David \(Mortgages\)" <David.Calvert1@lloydsbanking.com>
To: <bob@sarahharvey.com>
Subject: Your Mortgage - 50000002586283 
Date: Fri, 12 Feb 2021 17:31:51 +0100
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Classification: Confidential


Dear Robert,



Thank you for your time on the phone earlier, it was (as always) a pleasure 
catching up.



Regarding your personal mortgage: as discussed, we could potentially make a 
new interest rate available to you at circa 1.88%. Whether this is 
worthwhile, however, depends largely on your future plans for your mortgage, 
as we discussed. Currently, your mortgage allows you to make unlimited 
additional payments at any time of your choosing. However, the new interest 
rate would limit your discretionary payments (at least initially) to 10% of 
your mortgage balance each year. To reiterate, there are also multiple 
different methods you can utilise to pay off your mortgage more quickly. You 
can 1) make additional payments at your discretion as and when you wish to, 
2) amend your direct debit to make these payments slightly more formal or 3) 
we can seek to formally reduce your mortgage term to make the additional 
payments a contractual obligation. There are no “right” or “wrong” ways of 
examining the above areas; much depends on your requirement for flexibility. 
As always, please fee free to contact me with any queries you may have.



Re your commercial mortgage: as promised, I’ll try and ascertain if there is 
anyone local who would be able to discuss this with you. However, in first 
instance our Business Banking team can be reached on 0345 072 5555. Provided 
you have your commercial mortgage details to hand, they should be able to 
point you in the direction of someone who can talk you through your options 
with regards to taking a new deal.



I hope this is all OK for now. All the best for the time being, and I’m sure 
our paths will cross again in the future.



Kind regards,



David Calvert

Mortgage and Protection Adviser (CeMAP, DipMAP)

Mobile: 07860 855032

Email:  <mailto:david.calvert1@lloydsbanking.com> 
david.calvert1@lloydsbanking.com



Lloyds Banking Group plc. Registered Office: The Mound, Edinburgh EH1 1YZ. 
Registered in Scotland no. SC95000. Telephone: 0131 225 4555.

Lloyds Bank plc. Registered Office: 25 Gresham Street, London EC2V 7HN. 
Registered in England and Wales no. 2065. Telephone 0207626 1500.

Bank of Scotland plc. Registered Office: The Mound, Edinburgh EH1 1YZ. 
Registered in Scotland no. SC327000. Telephone: 03457 801 801.

Lloyds Bank Corporate Markets plc. Registered office: 25 Gresham Street, 
London EC2V 7HN. Registered in England and Wales no. 10399850.

Scottish Widows Schroder Personal Wealth Limited. Registered Office: 25 
Gresham Street, London EC2V 7HN. Registered in England and Wales no. 
11722983.

Lloyds Bank plc, Bank of Scotland plc and Lloyds Bank Corporate Markets plc 
are authorised by the Prudential Regulation Authority and regulated by the 
Financial Conduct Authority and Prudential Regulation Authority.

Scottish Widows Schroder Personal Wealth Limited is authorised and regulated 
by the Financial Conduct Authority.

Lloyds Bank Corporate Markets Wertpapierhandelsbank GmbH is a wholly-owned 
subsidiary of Lloyds Bank Corporate Markets plc. Lloyds Bank Corporate 
Markets Wertpapierhandelsbank GmbH has its registered office at 
Thurn-und-Taxis Platz 6, 60313 Frankfurt, Germany. The company is registered 
with the Amtsgericht Frankfurt am Main, HRB 111650. Lloyds Bank Corporate 
Markets Wertpapierhandelsbank GmbH is supervised by the Bundesanstalt für 
Finanzdienstleistungsaufsicht.

Halifax is a division of Bank of Scotland plc.

HBOS plc. Registered Office: The Mound, Edinburgh EH1 1YZ. Registered in 
Scotland no. SC218813.


This e-mail (including any attachments) is private and confidential and may 
contain privileged material. If you have received this e-mail in error, 
please notify the sender and delete it (including any attachments) 
immediately. You must not copy, distribute, disclose or use any of the 
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on: Confidential</span></p>=0A=
<br>=0A=
<div class=3D"WordSection1">=0A=
<p class=3D"MsoNormal">Dear Robert,<o:p></o:p></p>=0A=
<p class=3D"MsoNormal"><o:p>&nbsp;</o:p></p>=0A=
<p class=3D"MsoNormal">Thank you for your time on the phone earlier, it =
was (as always) a pleasure catching up.<o:p></o:p></p>=0A=
<p class=3D"MsoNormal"><o:p>&nbsp;</o:p></p>=0A=
<p class=3D"MsoNormal">Regarding your personal mortgage: as discussed, =
we could potentially make a new interest rate available to you at circa =
1.88%. Whether this is worthwhile, however, depends largely on your =
future plans for your mortgage, as we discussed.=0A=
 Currently, your mortgage allows you to make unlimited additional =
payments at any time of your choosing. However, the new interest rate =
would limit your discretionary payments (at least initially) to 10% of =
your mortgage balance each year. To reiterate, there=0A=
 are also multiple different methods you can utilise to pay off your =
mortgage more quickly. You can 1) make additional payments at your =
discretion as and when you wish to, 2) amend your direct debit to make =
these payments slightly more formal or 3) we can seek=0A=
 to formally reduce your mortgage term to make the additional payments a =
contractual obligation. There are no &#8220;right&#8221; or =
&#8220;wrong&#8221; ways of examining the above areas; much depends on =
your requirement for flexibility. As always, please fee free to contact =
me with=0A=
 any queries you may have.<o:p></o:p></p>=0A=
<p class=3D"MsoNormal"><o:p>&nbsp;</o:p></p>=0A=
<p class=3D"MsoNormal">Re your commercial mortgage: as promised, =
I&#8217;ll try and ascertain if there is anyone local who would be able =
to discuss this with you. However, in first instance our Business =
Banking team can be reached on 0345 072 5555. Provided you have=0A=
 your commercial mortgage details to hand, they should be able to point =
you in the direction of someone who can talk you through your options =
with regards to taking a new deal.<o:p></o:p></p>=0A=
<p class=3D"MsoNormal"><o:p>&nbsp;</o:p></p>=0A=
<p class=3D"MsoNormal">I hope this is all OK for now. All the best for =
the time being, and I&#8217;m sure our paths will cross again in the =
future.<o:p></o:p></p>=0A=
<p class=3D"MsoNormal"><o:p>&nbsp;</o:p></p>=0A=
<p class=3D"MsoNormal">Kind regards,<o:p></o:p></p>=0A=
<p class=3D"MsoNormal"><o:p>&nbsp;</o:p></p>=0A=
<p class=3D"MsoNormal"><b><span =
style=3D"font-size:10.0pt;font-family:&quot;Tahoma&quot;,sans-serif;color=
:green;mso-fareast-language:EN-GB">David Calvert</span></b><span =
style=3D"color:black;mso-fareast-language:EN-GB"><o:p></o:p></span></p>=0A=
<p class=3D"MsoNormal"><b><span =
style=3D"font-size:10.0pt;font-family:&quot;Tahoma&quot;,sans-serif;color=
:black;mso-fareast-language:EN-GB">Mortgage and Protection Adviser =
(CeMAP, DipMAP)</span></b><span =
style=3D"color:black;mso-fareast-language:EN-GB"><o:p></o:p></span></p>=0A=
<p class=3D"MsoNormal"><b><span =
style=3D"font-size:10.0pt;font-family:&quot;Tahoma&quot;,sans-serif;color=
:black;mso-fareast-language:EN-GB">Mobile:&nbsp;07860 =
855032</span></b><span =
style=3D"color:black;mso-fareast-language:EN-GB"><o:p></o:p></span></p>=0A=
<p class=3D"MsoNormal"><b><span =
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<a href=3D"mailto:david.calvert1@lloydsbanking.com"><span =
style=3D"color:#0563C1">david.calvert1@lloydsbanking.com</span></a></span=
></b><span =
style=3D"color:black;mso-fareast-language:EN-GB"><o:p></o:p></span></p>=0A=
<p class=3D"MsoNormal"><o:p>&nbsp;</o:p></p>=0A=
</div>=0A=
<p>Lloyds Banking Group plc. Registered Office: The Mound, Edinburgh EH1 =
1YZ. Registered in Scotland no. SC95000. Telephone: 0131 225 4555.</p>
<p>Lloyds Bank plc. Registered Office: 25 Gresham Street, London EC2V =
7HN. Registered in England and Wales no. 2065. Telephone 0207626 =
1500.</p>
<p>Bank of Scotland plc. Registered Office: The Mound, Edinburgh EH1 =
1YZ. Registered in Scotland no. SC327000. Telephone: 03457 801 801. </p>
<p>Lloyds Bank Corporate Markets plc. Registered office: 25 Gresham =
Street, London EC2V 7HN. Registered in England and Wales no. =
10399850.</p>
<p>Scottish Widows Schroder Personal Wealth Limited. Registered Office: =
25 Gresham Street, London EC2V 7HN. Registered in England and Wales no. =
11722983.</p>
<p>Lloyds Bank plc, Bank of Scotland plc and Lloyds Bank Corporate =
Markets plc are authorised by the Prudential Regulation Authority and =
regulated by the Financial Conduct Authority and Prudential Regulation =
Authority.</p>
<p>Scottish Widows Schroder Personal Wealth Limited is authorised and =
regulated by the Financial Conduct Authority.</p>
<p>Lloyds Bank Corporate Markets Wertpapierhandelsbank GmbH is a =
wholly-owned subsidiary of Lloyds Bank Corporate Markets plc. Lloyds =
Bank Corporate Markets Wertpapierhandelsbank GmbH has its registered =
office at Thurn-und-Taxis Platz 6, 60313 Frankfurt, Germany. The company =
is registered with the Amtsgericht Frankfurt am Main, HRB 111650. Lloyds =
Bank Corporate Markets Wertpapierhandelsbank GmbH is supervised by the =
Bundesanstalt f=C3=BCr Finanzdienstleistungsaufsicht.</p>
<p>Halifax is a division of Bank of Scotland plc.</p>
<p>HBOS plc. Registered Office: The Mound, Edinburgh EH1 1YZ. Registered =
in Scotland no. SC218813.</p>
<br>
<p>This e-mail (including any attachments) is private and confidential =
and may contain privileged material. If you have received this e-mail in =
error, please notify the sender and delete it (including any =
attachments) immediately. You must not copy, distribute, disclose or use =
any of the information in it or any attachments. Telephone calls may be =
monitored or recorded.</p></body>=0A=
</html>=0A=

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