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.
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:
Log in to Mortgage Manager
If you’re thinking of switching your mortgage, you can get your exact ERC through Mortgage Manager.
You’ll need your mortgage account number to log in. You can find it in the Internet Bank, the Banking app or on any letter or statement from us about your mortgage.
Or you can get your exact ERC by calling us on 03457 30 20 11 (Monday to Friday, 8am to 6pm. Saturday, 9am to 12.30pm. Closed Sundays and bank holidays). Have your mortgage account number ready.
If you’re concerned about paying your mortgage we are here to help. Call us on 0800 464 30 30 (Monday to Friday, 8am to 8pm. Saturday 9am to 5pm. Closed Sundays and bank holidays) to discuss your options, or visit our challenging times page