If an individual plans both to own shares and to borrow, he will often get a lower rate of interest on a margin loan, because it is secured against shares.

ECONOMIST: Marginal differences

These burdens are occurring amid tepid loan growth and in a low interest rate environment that contributes to net interest margin contraction.

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Kevin Mountford, of Moneysupermarket.com, said that the margin between the Bank rate and the interest paid by savings accounts was actually very high at present.

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The bonds carry a variable interest rate that tracks six-month Euribor rates with an average additional margin of 263 basis points.

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The bank's net interest margin--the difference between its cost of capital and average loan rate--has fallen for five consecutive quarters, to 0.9%.

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Net interest margin declined to 3.66%, a reflection of the low interest rate environment being orchestrated by the Federal Reserve thanks to its asset purchase programs over the past several years aimed at greasing the skids for an economic recovery.

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The same is true of the assumption that the mortgage repayment will rise (it could be a longer-term fixed rate for example), or by how much - we have used the Standard Variable Rate (SVR), but the borrower may be using a mortgage which charges a different interest margin.

BBC: NEWS