Principality Building Society Mortgage Rates 2026: Deals & Remortgage

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UK Principality Mortgage Rate Guide · September 2026

Principality Building Society Mortgage Rates 2026: Deals & Remortgage

Principality Building Society mortgage rates in 2026 are not one percentage that applies to every borrower. The deal you can actually get depends on your loan-to-value (LTV), whether you are buying or remortgaging, the length of the fixed period, product fee, loan size, property and whether you already have a Principality mortgage.

This guide focuses on the numbers and decisions that matter: how to check today’s Principality mortgage deals, what its current 6.80% Standard Variable Rate means, how remortgaging works, when an existing customer can switch, and why a slightly higher rate with a lower fee can sometimes deserve a closer look.

Compare Official Mortgage Deals Remortgage to Principality Existing Customer Switch
Mortgage risk: your home may be repossessed if you do not keep up repayments on your mortgage. A rate table or online estimate is not a mortgage offer, and the lowest headline rate is not automatically the lowest-cost deal once fees and Early Repayment Charges are included.

Meaningful editorial review: 21 September 2026. Principality’s official intermediary mortgage hub currently lists a new-business mortgage range dated 10 September 2026 and an existing-customer retention range dated 2 September 2026. Mortgage products can be repriced or withdrawn without this page changing immediately, so check the live consumer mortgage finder before applying.

Principality Mortgage Rates 2026: Quick Answers

Current SVR Principality currently publishes a Standard Variable Rate of 6.80%. Variable rates can change.
Residential first-time buyer LTV Principality’s current criteria can allow qualifying first-time buyers to borrow up to 95% LTV.
Home mover LTV Current residential criteria allow qualifying home movers up to 90% LTV.
Remortgage LTV Principality currently states residential remortgaging can be considered up to 90% LTV, subject to product and lending criteria.
Mortgage term Current intermediary criteria show repayment terms from 5 years up to 40 years, subject to age and affordability rules.
Overpayments Many Principality residential mortgages allow up to 10% of the relevant mortgage balance each calendar year without an ERC, subject to the product terms.
Existing mortgage switch Principality says eligible existing customers can discuss or arrange a switch up to 6 months before their current deal ends.
New mortgage enquiries Principality publishes 0330 333 4002 for new mortgage enquiries.
Fast answer: use Principality’s live mortgage finder for the rate available to you today. Choose your mortgage purpose, enter the property value and borrowing amount, then compare the initial rate, LTV, product fee, cashback, incentives, APRC and Early Repayment Charge together.

Principality Mortgage Rates: September 2026 Snapshot

Principality’s current mortgage range changes by LTV and borrower type, so publishing one large static table can become misleading quickly. The safest approach is to treat any percentage shown here as a dated example and use the official mortgage finder for the deal available when you apply.

6.80% Current Principality Standard Variable Rate (SVR) shown on its mortgage pages.
6.25% Headline initial rate displayed on a current 90% LTV two-year fixed cashback product checked in September 2026.
£0 Product fee shown on that current 90% LTV two-year fixed cashback example.
£500 Cashback shown on that product, paid to the solicitor on completion under the published terms.
90% Maximum LTV displayed for the current cashback example and current maximum residential remortgage LTV in Principality’s criteria.
Important live-page inconsistency found during this review: the current Principality 90% LTV two-year fixed cashback page displayed a 6.25% headline initial rate when checked, while a representative-example block lower on the same page still referred to a different 4.35% rate. That is exactly why you should not copy one figure from an example paragraph. Check the current product summary and the personalised mortgage illustration you receive before proceeding.

Official live ratesCompare Principality Mortgage Rates and Deals

After opening this link:

  1. Enter your property value and the amount you want to borrow if the mortgage finder requests them.
  2. Select whether you are buying, moving, remortgaging or using another eligible mortgage route.
  3. Check the maximum LTV for each displayed product.
  4. Compare the initial rate and fixed period.
  5. Check the product fee, cashback and valuation or legal-fee incentives.
  6. Open the individual deal and read its Early Repayment Charges.
  7. Use the personalised illustration rather than relying on an old representative example or search-engine snippet.
Rate freshness check: Principality’s intermediary mortgage-range hub was showing a new-business rate guide dated 10 September 2026 and an existing-customer retention guide dated 2 September 2026 when this page was researched. Those intermediary documents are useful evidence that the range has been updated recently, but ordinary customers should use the consumer mortgage finder above.

How to Compare Principality Mortgage Deals Properly

A mortgage with the smallest percentage in bold is not automatically the cheapest mortgage for you. The borrowing amount and product fee can materially change the value of a deal, while cashback may partly offset other costs.

Compare
Why it matters
What to check
Initial rate
Controls the interest charged during the introductory deal period.
Rate, fixed period and exact deal end date.
Product fee
A lower rate may come with an upfront or added-to-loan product fee.
Fee amount and whether adding it to the mortgage increases interest and LTV.
APRC
Helps compare the broader mortgage cost using the assumptions in the illustration.
Do not use APRC alone if you expect to switch again when the initial deal ends.
Cashback
Can reduce the net cost of moving or remortgaging.
Amount, payment timing and whether the alternative no-cashback deal has a lower rate.
ERC
Can make selling, remortgaging or paying off the mortgage early expensive.
Percentage, date bands and whether porting the deal could apply.
Reversion rate
Your initial rate does not normally continue forever.
Any stepped-rate period and the SVR that follows if no new deal is chosen.
Useful rule: compare mortgages over the period you realistically expect to keep the deal. If you expect to switch after two years, look closely at the two-year cost including the fee rather than assuming a lower initial percentage must win.

Principality Mortgage LTV Bands in 2026

Loan-to-value is the percentage of the property’s value you need to borrow. A lower LTV generally gives a lender more equity as security and can open access to different mortgage products or pricing.

95% LTV Principality’s current criteria can allow qualifying first-time buyers to borrow up to 95% LTV. Product availability and affordability still apply.
90% LTV Current criteria allow qualifying home movers and residential remortgagers up to 90% LTV.
75% LTV or lower Borrowers with more equity may find a wider range or different pricing. Principality’s maximum loan sizes can also vary by LTV band.
Second homes Principality’s current criteria consider residential second-home purchase or remortgage up to 75% LTV for qualifying borrowers.
Residential purchase LTV
Current maximum loan
Practical point
95%
£600,000
Current criteria state that any added product fee must remain within the applicable 95% LTV cap.
Above 75% to 90%
£1,000,000
Product-level maximums can still be lower than the general lending-criteria ceiling.
Above 65% to 75%
£1,500,000
Affordability and individual property criteria continue to apply.
Below 65%
£2,000,000
This is a criteria ceiling, not a promise that every applicant can borrow that amount.

Official LTV explanationPrincipality Loan-to-Value Guide

After opening this link:

  1. Find your expected property value.
  2. Subtract your deposit or current equity from the property value.
  3. Compare the borrowing amount with the property value to identify your LTV band.
  4. If you are close to a lower LTV threshold, check whether reducing the loan could open a different mortgage range.
  5. For a remortgage, use a realistic current property value rather than the price you paid years ago.

Remortgaging to Principality in 2026

Remortgaging means replacing your current mortgage with a mortgage from another lender. For a borrower moving to Principality, the real comparison is not simply your old interest rate versus a new Principality rate.

Include any Early Repayment Charge from your existing lender, product fee on the new deal, legal-cost arrangements, valuation, incentives and the payment you would make after the new introductory period.

Step 1 Check your existing deal end date

Find the date your current fixed or introductory rate ends and any ERC that still applies.

Step 2 Estimate your current LTV

Use the expected current property value and the amount still owed on your mortgage.

Step 3 Compare Principality deals

Compare initial rate, fee, incentives, term and ERC rather than filtering only by percentage.

Step 4 Check affordability and property criteria

A product appearing in a rate search does not guarantee the full mortgage application will be accepted.

Step 5 Understand legal arrangements

Some Principality remortgage products may include help with basic legal fees when its chosen solicitor is used.

Step 6 Read your illustration

Check the personalised monthly payments, total costs, ERC and what happens when the initial deal finishes.

Current remortgage benefits advertised by Principality: the Society currently promotes no administration fee when switching a mortgage to it, a free valuation during an eligible remortgage application, and possible help with basic legal fees on qualifying products. The exact incentive depends on the mortgage selected.

Official remortgage routeRemortgage to Principality Building Society

After opening this link:

  1. Choose the remortgage route rather than the existing-customer mortgage-switch route.
  2. Compare current products using your borrowing amount and estimated property value.
  3. Check whether your chosen product includes a free valuation or legal-fee assistance.
  4. Check your current lender’s redemption figure and ERC before deciding when to complete.
  5. Speak to Principality if your income, property or borrowing needs do not fit a straightforward online journey.

Existing Principality Mortgage Customers: Switching Your Deal

If your mortgage is already with Principality, you are normally looking for a product transfer or rate switch rather than a remortgage to Principality. That distinction matters because changing deal with the same lender can involve less paperwork than moving the mortgage elsewhere.

When to start Principality says existing customers can call about switching their mortgage up to 6 months before the current deal ends.
Administration fee Principality currently states that it does not charge an admin fee when an existing borrower switches mortgage deal.
Credit check Principality says a new credit check may not be needed where circumstances have not changed, although different rules can apply when the mortgage itself is being altered.
Borrowing more Additional borrowing is different from a simple rate switch and is subject to lending criteria and affordability.
Do not automatically stay with your existing lender. A Principality retention deal may be convenient, but compare the total cost with suitable remortgage alternatives. Equally, do not move lender solely for a slightly lower rate if legal work, fees or an ERC erase the saving.

Existing borrowerManage or Switch an Existing Principality Mortgage

After opening this link:

  1. Find your current mortgage deal end date.
  2. Choose the switch-mortgage option if you only need a new rate.
  3. If you need to borrow more, change borrowers, move home or substantially alter the mortgage, use the matching route instead.
  4. Compare the available retention products by rate and fee.
  5. Check the date on which the new product would take effect.
  6. If you already selected a future rate and want to change it again before it starts, contact Principality directly.

Principality Mortgage Fees, Cashback and Remortgage Incentives

Product structure matters because Principality can offer both fee-free deals and deals with a fee. A borrower with a larger mortgage may judge the rate saving differently from somebody borrowing a much smaller amount.

A no-product-fee deal may appeal when

  • You want to reduce upfront mortgage costs.
  • Your mortgage balance is relatively modest.
  • You do not want to add a product fee to the loan.
  • The rate difference versus the fee-paying alternative is small.
  • Cashback or legal-fee help improves the overall package.

A fee-paying deal may deserve comparison when

  • The rate is materially lower.
  • Your mortgage balance is large enough for the rate difference to matter more.
  • You expect to retain the deal for the full introductory period.
  • The total cost over your comparison period is lower after the fee.
  • Adding the fee does not push you beyond the permitted LTV.
95% LTV detail: Principality’s current lending criteria say that where a product fee is added to a 95% LTV mortgage, the resulting borrowing must not exceed the product’s maximum LTV cap. Product fees are also described as non-transferable.
Cashback is not free money in isolation. Compare the cashback product with the closest non-cashback alternative. A deal paying £500 on completion can still cost more if its rate is materially higher over the period you hold it.

Principality Early Repayment Charges and Overpayments

An Early Repayment Charge can apply when you repay, switch or redeem more of a mortgage than the product allows during an ERC period. Always check the exact product because the percentage and dates are deal-specific.

Current general overpayment rule Principality states that non-flexible residential mortgages generally allow overpayments of up to 10% of the outstanding balance calculated at 1 January each calendar year without an ERC.
Above the allowance Paying more than the permitted amount may trigger an Early Repayment Charge while the product remains inside its ERC period.
Current product example The 90% LTV two-year fixed cashback product checked for this guide lists tiered ERCs during its fixed period.
Before redeeming Request an up-to-date redemption statement rather than estimating the mortgage payoff from the balance alone.

Official overpayment guidancePrincipality Mortgage Overpayment Guide

After opening this link:

  1. Read the overpayment restriction before sending a lump sum.
  2. Check the balance Principality uses to calculate your annual 10% allowance.
  3. Check how much you have already overpaid during the current calendar year.
  4. If you want to pay substantially more, ask Principality whether an ERC would apply first.
  5. Use your correct mortgage account reference if making a permitted payment.

Who Can Get a Principality Mortgage?

A low rate is useful only if the mortgage fits your circumstances. Principality applies affordability, income, property and credit criteria as well as individual product rules.

Property location Principality currently states that its mortgages are available on eligible properties in England and Wales.
Residential age Residential applications are currently accepted from age 18, subject to the remaining criteria.
Maximum residential term Current criteria allow a maximum repayment term of 40 years.
Repayment age Principality’s current criteria state that residential repayment mortgages should normally be repaid by the eldest applicant’s 85th birthday.
Leasehold Current criteria require at least 85 years remaining on a lease at the start of the mortgage.
Mortgage offer validity Current residential and remortgage offers are generally valid for 180 days; new-build purchase offers are currently shown as valid for 240 days.
First-time buyer borrowing: Principality’s intermediary criteria currently state that qualifying first-time buyer products may use an enhanced loan-to-income calculation of up to 5.5 times income in specified circumstances. That is a lending-criteria feature, not a guarantee that an applicant will be approved for that multiple.
Self-employed borrowers: Principality publishes separate income-evidence rules. Its current intermediary criteria state that the income assessment can vary by LTV and trading structure, so prepare recent accounts, tax calculations or other requested evidence rather than assuming one payslip-style calculation applies.

Fixed Rate, Stepped Rate and SVR: What Happens After Your Deal?

Some current Principality fixed mortgage products do not simply jump straight from the initial fixed rate to SVR. The individual product page can show a stepped period before the mortgage eventually reaches the Society’s Standard Variable Rate.

Initial period Fixed mortgage rate

Your mortgage interest rate is fixed for the product’s initial period, subject to the full mortgage terms.

Possible next stage Stepped rate

Some current products show a temporary rate linked to the SVR after the fixed period ends.

Later Standard Variable Rate

If you do not move to another deal, the mortgage can eventually move to Principality’s SVR, currently 6.80%.

Calendar reminder: Principality says it contacts borrowers before a fixed deal ends, but do not rely solely on that communication. Keep your own deal-end date and start reviewing options early enough to compare staying with Principality against remortgaging elsewhere.

Moving Home With a Principality Mortgage

Existing Principality borrowers may be able to port an eligible mortgage to a new home. Porting means transferring the existing mortgage product, subject to a fresh assessment of the new property and your circumstances.

If you need to borrow more than the amount being ported, the additional borrowing may be arranged on a different product and rate. That can leave your mortgage split into more than one part with different deal-end dates.

Official porting guidePrincipality Mortgage Porting Guide

After opening this link:

  1. Check whether your current product is portable.
  2. Compare the outstanding mortgage with the amount you need for the new home.
  3. If borrowing more, ask which current product would apply to the additional borrowing.
  4. Check whether your new LTV meets Principality’s criteria.
  5. Do not assume porting is automatic; the new property and application still need to meet lending requirements.

Borrowing More on an Existing Principality Mortgage

Existing borrowers can ask about additional borrowing for purposes such as home improvements, urgent repairs or other qualifying needs. The extra borrowing is secured against the home and increases the amount that must be repaid.

Residential LTV Principality’s current guidance states that the combined borrowing should remain within the applicable residential LTV limit.
Waiting period Its current consumer guide says borrowers normally need to wait 3 months after taking the mortgage before applying to borrow more.
Repayment history The Society expects the mortgage to be up to date and applies its lending requirements to the extra borrowing.
Affordability Additional borrowing can raise monthly payments and the amount of interest paid over the remaining term.
Borrowing against your home to repay unsecured debts changes the nature of that borrowing because the additional amount becomes secured against the property. Consider the total interest and the increased risk, not just whether the monthly payment initially appears lower.

Contact Principality Early if Mortgage Payments Are Becoming Difficult

Rate comparisons become secondary if you are struggling to make the next payment. Principality asks borrowers who are worried about repayments to contact its support team as soon as possible, including before a payment is missed.

0330 333 4020 Principality’s published mortgage payment and arrears support number.
Mon–Fri Current support-team hours shown as 9:30am–5pm.
Budget planner Principality provides a mortgage budget planner to help the support team understand your finances.
Mortgage account number.
Current monthly mortgage payment.
Household income.
Essential household spending.
Other debts or arrears.
Expected change in income or expenditure.

Official payment supportPrincipality Mortgage Repayment Support

After opening this link:

  1. Download or review the mortgage budget planner if useful.
  2. Gather your realistic income and essential-spending figures.
  3. Contact Principality before cancelling your mortgage Direct Debit or ignoring correspondence.
  4. Explain whether the problem is temporary or expected to continue.
  5. Ask what support options could apply to your circumstances and what effect they may have on future payments or total interest.

Principality Mortgage Contact Numbers

Reason
Telephone
Current published guidance
New mortgage enquiry
0330 333 4002
Use for a new mortgage enquiry or when you want to discuss a new Principality mortgage.
Existing mortgage / switch
0330 333 4000
Use for switching an existing deal, general mortgage questions and mortgage administration.
Repayment difficulty
0330 333 4020
Use when you are worried about paying the mortgage, have missed a payment or need arrears support.
Calling from abroad
+44 (0)29 2038 2000
Principality lists this as an overseas contact route.
Published general telephone hours: Principality currently lists Monday to Friday 9:30am–5pm and Saturday 9am–1pm for its general lines. Specialist payment-support hours can differ.

Official contactPrincipality Contact and Mortgage Help

After opening this link:

  1. Find the mortgage section rather than using a savings or general online-profile route.
  2. Choose new mortgage, existing mortgage switch or payment difficulty according to your actual need.
  3. Check current telephone opening hours before calling.
  4. If you prefer face-to-face help, use the official branch finder.
  5. Do not include account passwords or sensitive security information in an ordinary online enquiry form.

Principality Branches and Mortgage Appointments

Principality has more than 60 branches and agencies across Wales and the borders. A branch can be useful if you prefer a face-to-face conversation, but check the location before travelling because opening hours and services can differ.

Official branch finderFind a Principality Branch or Agency

After opening this link:

  1. Search by your town, city or postcode.
  2. Open the individual branch or agency result.
  3. Check the location’s current opening hours.
  4. Confirm that it can help with the mortgage task you need.
  5. If you want a dedicated conversation, use Principality’s branch-appointment request process where appropriate.

Common Principality Mortgage Rate Mistakes

Copying a rate from Google Mortgage products can be repriced while search-engine snippets remain old. Open the live Principality deal.
Ignoring the product fee A lower rate with a large fee is not automatically cheaper than a higher no-fee deal.
Confusing remortgage and product transfer Moving from another lender to Principality is a remortgage. Staying with Principality and choosing a new deal is generally a product switch.
Assuming today’s property value Your remortgage LTV depends on the property’s current acceptable valuation, not necessarily what you paid for it.
Missing an ERC A good new rate can be poor value if completing early triggers a significant charge from your current mortgage.
Waiting for the fixed rate to end Start comparing before the end date so you have time to review a Principality switch and external remortgage alternatives.
Assuming 95% LTV means approval Maximum LTV is only one criterion. Income, affordability, credit and property rules still apply.
Adding a fee without checking LTV At high LTVs, adding the fee to borrowing can affect whether you stay within the product’s permitted LTV.

Principality May Be Worth Comparing When…

Principality may fit your shortlist if

  • You are buying or remortgaging an eligible property in England or Wales.
  • You want to compare fee-free and fee-paying mortgage options.
  • You value access to mortgage advisers and a substantial Welsh branch network.
  • You are a first-time buyer looking at higher-LTV borrowing.
  • You are self-employed or have circumstances that may benefit from a lender with published specialist criteria.
  • You are an existing Principality borrower approaching your deal end date.

Compare other lenders carefully if

  • Another lender offers a lower total cost after all fees.
  • Your property is outside England and Wales.
  • Your circumstances fall outside Principality’s lending criteria.
  • Your current lender offers a competitive retention deal with simpler switching.
  • An ERC makes moving now uneconomical.
  • You need a specialist mortgage type that is not available in the current Principality range.

Related Building Society Guides

Mortgage rates can move independently between building societies. Comparing similar LTV bands, fixed periods and fee structures gives a more useful comparison than checking headline percentages from unrelated products.

Nationwide Building Society: Mortgages, Savings & Help Yorkshire Building Society: Savings, Mortgages & Online Banking Browse More UK Building Society Guides

Official Principality Mortgage Resources Used for This Guide

Use the live source that controls your decision. Mortgage rates, product fees, cashback, LTV bands and lending criteria can change after publication.

Live Mortgage Rates & Deals Get or Remortgage to a Principality Mortgage Principality Remortgage Guide Manage an Existing Mortgage Mortgage Overpayments Porting a Mortgage Loan-to-Value Guide Mortgage Support FAQs Mortgage Repayment Support Contact Principality Principality Branch Finder Official Mortgage Range Updates for Intermediaries
Consumer note: Principality’s intermediary pages are designed for mortgage professionals and should not replace the consumer mortgage finder or advice appropriate to your circumstances. They are referenced here mainly to confirm current range dates and published lending criteria.

How This Principality Mortgage Rates Guide Was Checked

Consumer mortgage finder reviewed.
September 2026 range-update dates checked.
Current 6.80% SVR checked.
Current 90% LTV product example reviewed.
Product-page rate inconsistency identified.
Residential LTV criteria checked.
Remortgage maximum LTV checked.
Maximum mortgage term checked.
Offer-validity periods checked.
Overpayment allowance checked.
Existing-customer switch route reviewed.
Remortgage incentives reviewed.
Mortgage-support telephone numbers checked.
Payment-difficulty route reviewed.
Branch-finder route checked.

Review date: 21 September 2026. The current product example is intentionally labelled as a dated snapshot. Do not treat any mortgage percentage on this independent page as a guaranteed rate or personalised mortgage quotation.

Independent Mortgage Information Notice

Building-society.org is an independent informational website. It is not Principality Building Society, a mortgage broker, the Financial Conduct Authority or the Prudential Regulation Authority.

This page cannot assess your affordability, recommend a mortgage for your personal circumstances, approve an application, switch your mortgage or access your Principality account. Use Principality’s official website or an appropriately authorised adviser when you need personalised mortgage advice.

Your home may be repossessed if you do not keep up repayments on your mortgage. Check the official mortgage illustration, product fee, APRC, Early Repayment Charges, monthly payments and lending conditions before committing to a mortgage.

Principality Building Society Mortgage Rates FAQs

1. What are Principality Building Society mortgage rates in 2026?

Principality does not have one mortgage rate for every borrower. Its rates vary by LTV, mortgage purpose, product type, fixed period, fee and eligibility. A current 90% LTV two-year fixed cashback product checked in September 2026 displayed a 6.25% initial rate, but products can be repriced or withdrawn, so use the live Principality mortgage finder before applying.

2. What is Principality Building Society’s current Standard Variable Rate?

Principality currently publishes a Standard Variable Rate of 6.80%. The SVR is variable and can change, so check the current product page or your mortgage documentation before relying on that figure.

3. Does Principality offer 95% LTV mortgages?

Principality’s current lending criteria allow qualifying first-time buyers to borrow up to 95% LTV. Individual mortgage products, affordability, income, credit history and property criteria still apply, so 95% LTV availability does not guarantee approval.

4. What is the maximum LTV for a Principality remortgage?

Principality’s current residential lending criteria state that qualifying residential remortgages can be considered up to 90% LTV. Lower LTV bands may have different rates and maximum loan sizes.

5. Does Principality pay legal fees when I remortgage?

Some Principality remortgage products include help with basic legal fees when you use the Society’s chosen solicitor. Additional legal work can create extra charges, so check the specific mortgage product rather than assuming every remortgage includes identical legal-fee assistance.

6. How early can an existing Principality customer switch mortgage deals?

Principality currently says existing customers can discuss or arrange a mortgage switch up to six months before their current deal ends. Check the existing-customer mortgage page for the current switching process and available retention deals.

7. How much can I overpay on a Principality mortgage without an Early Repayment Charge?

Principality’s current general guidance says many non-flexible residential mortgages allow overpayments of up to 10% of the outstanding balance calculated at 1 January each calendar year without an ERC. Your individual product terms control the exact allowance.

8. Does Principality lend only in Wales?

No. Although Principality is Wales’ largest building society and has a strong Welsh branch presence, its current residential lending criteria state that mortgages are available on eligible freehold and leasehold properties in England and Wales.

9. What number do I call about a new Principality mortgage?

Principality currently publishes 0330 333 4002 for new mortgage enquiries. For an existing mortgage or mortgage switch, the Society publishes 0330 333 4000. Customers worried about mortgage payments are directed to 0330 333 4020.

10. Is the lowest Principality mortgage rate automatically the best deal?

No. Compare the interest rate together with the product fee, cashback, valuation and legal-fee arrangements, APRC, Early Repayment Charges, LTV and what happens after the initial deal ends. The lowest headline percentage can cost more overall for some borrowing amounts and circumstances.

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