Early Repayment Charge (ERC) calculator
Our Early Repayment Charge (ERC) calculator shows you an estimate of what you might have to pay if you choose to pay off or switch your mortgage before your current deal ends, or if you pay over your allowance.
You can find your ERC details in your latest mortgage offer. Your annual mortgage statement also shows any applicable ERCs at the date of each statement.
Information:
Get an accurate ERC
This calculator can only give you a very rough idea of what your ERC is. If you need an accurate amount, you can access Mortgage Manager via our app or internet bank.
To use our app or internet bank, you need to register.
Our internet bank
Log in to the internet bank and follow these steps:
1. Select your mortgage account
2. Go to the Related services menu on the left-hand side and select Manage your mortgage.
Our app
Using our app is the easiest way to access Mortgage Manager. In our app select your mortgage account and then Manage your mortgage.
Call us
Or you can get your exact ERC by calling us. We’ll ask for your mortgage account number, so please have it ready.
Monday to Friday, 8am to 6pm.
Saturday, 9am to 12.30pm.
Closed Sundays and bank holidays.
UK: 0345 609 25 31
Work out your Early Repayment Charge
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Note:
If you’re concerned about paying your mortgage we are here to help. Call us on 0800 464 30 30 (Monday to Friday, 9am to 5pm. Saturday 9am to 5pm. Closed Sundays and bank holidays) to discuss your options, or visit our challenging times page