Do I have to pay an early repayment charge (ERC) if I want to redeem?

  • If you are on a tracker rate mortgage then you do not need to pay an ERC.
  • If you are on a fixed-rate mortgage then you may have to pay an ERC if you are redeeming before the end of the fixed term. The amount you will pay is detailed in your mortgage offer. If you want to check this you can contact our servicing team on 033 0053 6825 or