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Mortgage Rate Comparison Tool Ditch: mortgage calculator – MSE – MoneySavingExpert.com – What is an early repayment charge? If you remortgage before the end of a special deal (eg. Fixed/Discount rate), then you will have to pay an Early Repayment Charge (ERC), previously known as a ‘redemption penalty’.. These can be either a percentage, such as 2% of the outstanding mortgage, or a fixed fee, eg. £1,499.
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