2021
£m
2020
£m
Current
Unsecured bank overdraft0.20.2
Lease liabilities (see note 14)63.483.2
63.683.4
Non-current
Unsecured bank loan and other borrowings1179.1
Lease liabilities (see note 14)280.9332.8
280.9511.9
  1. The above borrowings are stated net of unamortised issue costs of £1.6m (2020: £0.9m).

The Group's borrowing facility was extended in the year. The previous facility, a five-year £200m revolving credit facility began on 4 September 2017 and would have expired on 3 September 2022. A new facility was set up from 4 December 2020 for three years, with two options to extend by a further year. The new facility is a £180m revolving credit facility. The facility carries an interest rate of SONIA plus a margin which is variable based on the gearing measures as set out in the facility covenant certificate and which is currently 200 basis points. Both utilisation and non-utilisation fees are also applicable, being charged when utilisation rises above a set percentage with non-utilisation based on a set percentage of the applicable margin. These charges are based on market rates as are the commitment fees.

Significant headroom exists on both financial covenants contained within the banking agreement.

CovenantFY21FY20
Interest payable to EBITDAR >1.52.52.1
Net borrowings to EBITDA <3.0(0.4)0.8

The Group had the following undrawn committed borrowing facilities available at each balance sheet date in respect of which all conditions precedent had been met:

2021
£m
2020
£m
Expiring within one year20.020.0
Expiring between one and two years
Expiring between two and five years160.0
180.020.0

The overdraft facility expiring within one year is an annual facility subject to review at various dates during the period. The facility of £160.0m (2020: £nil) relates to the Group's revolving credit facility. All these facilities incurred commitment fees at market rates.