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Early repayment charges (ERCs)

Early repayment charges are payable if the customer repays the mortgage loan or switches to another product before the end of the initial interest rate. They are based on a percentage of the amount that the customer repays or switches. Early repayment charges will also apply if the overpayment allowance is exceeded.

Early repayment charges do not apply after expiry of the initial fixed rate period.

See sourcing systems for details of current ERCs.


Gen H

Building a fairer housing market

© Imagine Mortgages Limited 2023

Gen H ® is the trading name of Imagine Mortgages Ltd, a company registered in England and Wales. Company registration number: 11465987.

Authorised and regulated by the Financial Conduct Authority.

Our Financial Services Register number is 921355.

07723 954895

[email protected]

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