I Have a tracker mortgage but the balance seems off so looking for reassurance. Never missed a payment, infact never had any contact since draw down, apart from annual statement Borrowed 355k in sept 2006 - 1st repayment Oct 2006 Current rate 1.68% - Not sure if the rate has an impact on what the balance is, or does it? 30 year term Current balance outstanding 240,700 Looked at a couple of online calculators eg drcalculator website says my outstanding balance is 229,344 mortgagecalculator website says my outstanding balance is 230,267 Am I missing something here or should I be getting on to the bank? I'd rather know my facts first as it is very easy for them to fob me off and say no its all correct unless i can back myself up. Does the 240,700 figure seem right to yo people that probably know more than me Does the changing interest rate have an impact on the outstanding balance?