u/michaelnovati replied ·
This is correct and how the ISA works, and if you get more raises, you'll have to pay more. If you don't feel like your loan was disclosed properly at the time tell them this and offer to pay the upfront equivalent pricing retroactively instead. If you don't or can't pay the upfront equivalent pricing all at once, then you have an ISA for a reason and it's a loan that will cost more than the upfront and the addition cost is the "interest" on the loan.