The loan amount, annual interest rate, loan term, repayment amounts, fees payable under the loan contract and repayment dates are fixed.

These terms can be changed only by mutual agreement between Harmoney and the borrower (as well as the co-borrower if applicable).

New fees can be introduced but only in accordance with applicable law principles (including lender responsibility and notice requirements).

Any such changes will be shown on the Interest Rates and Fees page of the Harmoney website under Borrower Fees.

Please note: co-borrower loans are not available in Australia.