Local Authority
Authority profile
Outstanding
– loans
Weighted-avg rate
across active book
Weighted-avg life
years
Net break cost (today)
if voluntarily repaid
Refinance risk · PWLB maturing in the next… % of portfolio
1 year
– of portfolio
2 years
– of portfolio
3 years
– of portfolio
5 years
– of portfolio
Borrower loans Click a loan for details
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Complete list of all loans for the selected authority, showing reference, principal, interest rate, maturity date, and current break cost. Click any row to select that loan and view detailed analysis in the charts below. The break cost column shows the premium (positive) or discount (negative) in £; use this to quickly identify which loans have the highest break cost exposure and to understand the portfolio structure.

Outstanding Profile
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Use the buttons above to switch views. Profile: total outstanding principal at each 31 March over time—how the authority’s debt evolves as loans mature and repayments are made. Maturity buckets: current outstanding grouped by years to maturity (<1yrs, 1–2yrs, 2–3yrs, etc.). Maturity: amount of principal maturing (repaid) in each financial year (1 Apr–31 Mar); labels are the year (e.g. 2026). Use these to plan refinancing, assess liquidity needs, and understand the portfolio’s maturity structure.

Latest Premia / (Discount) as % of Principal
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Shows each loan’s current premium (positive) or discount (negative) as a percentage of principal, plotted by maturity date. Bubble size represents principal amount. Loans in discount have break costs (you’d pay to exit early); loans in premium may have break benefits (you’d receive). Use this to quickly identify which loans have the highest break cost exposure and spot patterns by maturity.

Loan Summary
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Premium/Discount Calculation
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Premium / Discount £ History
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Loan Profile
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