There is no ERC to pay if you’re on a tracker or Lifetime mortgage, the Standard Mortgage Rate (SMR) or the Base Mortgage Rate (BMR).

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:


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 2pm.
Closed Sundays and bank holidays.

Work out your Early Repayment Charge



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