santander mortgage early repayment charge

ERCs are typically part of the terms and conditions of a special deal. It's important to remember that you will be charged an early repayment fee of up to 58 days interest to close your loan early (or the remaining number of days interest if there are less than 58 days left in the loan term). Retain your existing mortgage, and get another mortgage for the outstanding that you will need on the new property, effectively having 2 mortgages. An early repayment charge is a fee to your mortgage lender, which you might be asked to pay if you want to reduce the amount you've borrowed, perhaps by paying off a lump sum. . Santander is . Early Repayment Charges | Paying Off a Loan Early | NatWest Your annual mortgage statement also shows any . Make sure you know if these apply to your mortgage. These charges apply if you want to redeem your mortgage before the end of a specified fixed, tracker or discounted rate product. Santander has extended its early repayment charge refund period for customers unable to sell and purchase on the same day. There were 8,912 complaints from Santander mortgage customers between July and December 2019.² That's around 0.55% of customers and is lower than the 1.06% average across major lenders. Transferring from another bank. An early repayment charge (ERC) is a penalty your provider may charge if you overpay on your mortgage by more than they allow, or pay off the whole loan too early. Remortgaging fees: how much will it cost - MoneySavingExpert So on a £150,000 outsanding mortgage: 5% is equivalent to £7,500 Mortgage exit fees: Is it worth paying a fee to get out of ... Early repayment charges: The complete guide - Finder UK I respect the fact this charge was part of the original loan agreement. Visit a branch and pay by cash or cheque. Fees & Charges | Mortgages | Lloyds Bank NatWest has announced a range of cuts to its mortgage rates and early repayment charges that come into effect on Monday (19 April). It has a loan size of £50,000 with a maximum of £600,000. Porting your mortgage - Gocompare.com Credit: Your credit score is an important factor in determining your interest rate after refinancing, or even if you're able to refinance at all. Mortgage - do I pay early repayment charge : UKPersonalFinance Santander is . Will my Direct Debit reduce if I pay off some of my loan?If you pay off part of your loan and it doesn't clear the outstanding balance, your loan term will be reduced, but your monthly repayment will stay the same. Santander Mortgage Overpayment (A Guide) | Huuti Settle your loan using funds from a new Santander personal loan. We don't charge a fee to settle your loan early, though we will charge up to 56 days' interest depending on the remaining term of your loan. How to Exit a Fixed Rate Mortgage Early How much are early repayment charges? We calculate our ERCs on our Fixed Rate products as a percentage of� the outstanding mortgage balance at the time of repaying the mortgage.� Current charges are as follows: Variable Rate Tracker products No Early Repayment Charges will be payable in the unfortunate event of the death of a borrower during the mortgage term where the loan is repaid, for example, from the proceeds of a life insurance policy or sale of the property. Around nine years ago, I took out a £135,000 mortgage with Santander. MORT 0012 APR 21 H YOUR HOME MAY BE REPOSSESSED IF YOU DO NOT KEEP UP REPAYMENTS ON YOUR MORTGAGE. while you're on a fixed interest rate). Registered in England and Wales. These charges differ by product type and term. hޔ��n�H���w�?A�j���%���-��D Registered Office: 2 Triton Square, Regent's Place, London, NW1 3AN, United Kingdom. Transferring all or part of your mortgage from a repayment to an interest-only basis or vice versa. Mortgage monitor This week's best . £70.00 Partial release of property fee endstream endobj 48 0 obj <>>> endobj 49 0 obj <> endobj 50 0 obj <>/ExtGState<>/Font<>/ProcSet[/PDF/Text/ImageB/ImageC/ImageI]>>/Rotate 0/Tabs/W/TrimBox[0 0 595.276 841.89]/Type/Page>> endobj 51 0 obj <>stream We'll also apply an early repayment charge if we agree to transfer all or part of your loan to a new mortgage product during the early repayment charge period. The closest major player with the same mortgage criteria with no early repayment charge is First Direct. We send a copy of our current tariff of mortgage charges each year with the annual mortgage statement. Speak to your lender to make sure the mortgage is portable. Early repayment charge: PS225 administration cost and PS250 clawback of Remortgage Solution (Santander) . You can easily make an overpayment with a transfer. This calculator tells you what rate you'd need to get to make it worth it, factoring in early repayment charges and other fees (we assume your current rate doesn't change). Many deals have a tie-in period, which is often longer than the deal period itself. Mortgage - do I pay early repayment charge. What do I do with my Direct Debit?You don’t need to do anything. they were misled about the ERC. The interest rate was fixed till October 2010 and an ERC would apply if Read our ‘Your settlement’ section below to find out how to request a settlement figure and what will be included in your quote. Mr and Mrs L complain that the early repayment charge ('ERC') on their mortgage with Santander UK Plc ('Santander') is unfair. To make a payment from another bank, you’ll need to pay it to us with the following details. Search For Santander Fixed Mortgage Early Repayment Charge Roundpoint Freedom Mortgage Abnb Mortgage Rates 5th 3rd Mortgage Rates 80c Income Tax Home Loan 75000 Home . 1 If you choose to repay your fixed rate mortgage in full or overpay by more than 10% of the mortgage balance each calendar year, you'll need to pay an early repayment charge. Typically, the charge will be calculated as a percentage of the loan amount, with a repayment mortgage the amount you're liable for decreases over . If you're looking for a quick solution to switching to a cheaper mortgage with no broker fees then a Product Transfer is well worth considering. A typical charging structure for a five-year fix for example, might be 5% in year one; 4% in year two; 3% in year three; 2% in year four . If you decide to settle your loan early, you shouldn’t cancel your Direct Debit until your loan account has been repaid in full and the settlement period has passed. Percentage early repayment charge payable: 5%. Understanding Early Repayment Charges Coming out of your mortgage deal early On some products if you choose to repay your mortgage within the introductory incentive deal period, or you make a repayment of more than 10% of your mortgage balance, you will need to pay an early repayment charge (ERC). You may be charged an early repayment fee; If you are considering making a Santander mortgage overpayment then you should ensure making a Santander mortgage overpayment won't incur you any early repayment charges or fees due to Santander having a maximum overpayment amount or limit per year. To get your exact settlement figure, you’ll need to contact us. Posted by-7 minutes ago. Early repayment charge - How is Early repayment charge abbreviated? Transferring from your Santander accountTo make a payment from your Santander account, you’ll need the following details. Our Financial Services Register number is 106054. Santander and the flame logo are registered trademarks. It simply means you can move your current mortgage deal to a new property. while you're on a fixed interest rate). . Some lenders don't charge a fee at all, while others charge between £50 and £300. The charges are often tiered which means they reduce with each year of the deal. Step 2: Speak to your lender about other deals. Ending your mortgage term Name of charge What this charge is for How much is the charge? It was a fixed rate at 5.5 per cent, with a £10,000 . Ole based his calculations for his new mortgage on the lender's statement. Please see your mortgage offer for details. Everyday Long Term Balance Transfer Credit Card​, Everyday No Balance Transfer Fee Credit Card​, Investment fees, charges and key documents. h�bbd``b`�$����H�����s���ƃ�� �)�x "Az�W$�)l@b�#�~�����w� 0 8�) ERCs vary from product to product, but are typically between 1% and 5% of the mortgage. So, if you had a £200,000 mortgage with a 3% early repayment charge, you would pay £6000. 75 0 obj <>stream If you undertake to choose into Santander's assets Release plan, you'd really end up being mobile the interest-only Santander financial to an authentic . Check your original mortgage paperwork if you already have a mortgage with us the early repayment charge (ERC) is unfair. You have two options, pay the ERC (early repayment charge) then you are free to get a single mortgage on the new house. Santander's early repayment charges and coronavirus. Estimated legals £0. Santander mortgage rate switch - A helpful guide to Mortgage Product Transfers. Porting comes in handy if you have a good mortgage rate and you want to hold on to it. %PDF-1.7 %���� This is often tied in with the . h�b```��,º|�cb��[3�f:� �*躩�V �fcܰh�����A� C����T�z3��b������뚊D6�c�gX�`��0�SBZ�{�.��[,� �K20�~�D� FE!� You can check this on the Financial Services Register by visiting the FCA’s website www.fca.org.uk/register. An Early Repayment Charge (ERC) is a charge you may have to pay if you repay the whole or part of your mortgage early (which includes when you move to a different HSBC mortgage product or move to a different lender) during a certain period. If you're redeeming your mortgage (repaying everything you owe), or transferring to a new deal where you must pay an early repayment charge, you won't be able to use the 10% allowance. To make a payment from your Santander account, you'll need the following details. For example, a two-year fixed rate mortgage might charge you an ERC if you try to remortgage . In return for lower or fixed interest rates and fees, you're typically expected to commit to the product for a certain length of time - most commonly two or five years, although various other deal lengths are also offered. 0 Compare Santander mortgages with . Transferring from your Santander account. MORT 0012 JAN 20 H YOUR HOME MAY BE REPOSSESSED IF YOU DO NOT KEEP UP REPAYMENTS ON YOUR MORTGAGE. Early repayment fees, depend on multiple factors like the original mortgage amount, outstanding balance, how much time remains on the fixed term and the prevailing interest rate. Please contact us if you’d like to talk to us about either of these options. Sort code: 09-00-30. the ERC is excessive, or wasn't based on a reasonable pre-estimate of the cost to the lender of the mortgage being repaid early. Account number: 10002108. Please see your mortgage offer for details. Vote. Mortgage exit fee (We call this Closing administration charge) . Nationwide reintroduces early repayment charge free tracker rates starting from 0.79% - Mortgage news - Mortgage Tools : Trinity Financial, Trinity Financial are Expert Mortgage Advisers providing Tailored Mortgage Advice . This costs 3.69% and a £500 fee, and it has the potential extra benefit of being an offset mortgage. background In 2005 Mr andperiodMrs L - through theirthebrokers - first took out a mortgage with Santander (then Abbey). We may also charge this fee for considering the transfer of your mortgage (or part of it) from a repayment to an interest only basis. Sometimes mortgage rates drop so much that it can be worth paying to get out of your current mortgage deal to switch to a new one at a lower rate. The couple were still charged £10,400 in early redemption fees for ending the fixed-rate mortgage. For instance, you might take a five-year deal with ERCs of 5% in year one, falling to 1% in year five of the deal, which could be a significant cost to you. This is applied if you overpay on your mortgage within a certain . If your mortgage product has a benefit package, such as Homebuyer Solution or�Remortgage Solution,�you will also be charged a fixed ERC amount on top of your percentage ERC amount if you choose to repay your mortgage before the end date on your benefit package. For example, on a five-year tracker deal, the early repayment charge could be 5% in year one, 4% in year two, 3% in year three…you get the gist. ¡ Early repayment charge 06 Foreign currency mortgages 06 Things to consider in the future 07 . Early Repayment Charge (ending your mortgage) You may be charged this if you repay your mortgage in full before the mortgage term ends. Transfer from an existing Santander savings account. It also has no early repayment charges (ERCs), no lender re-valuation fees and no lender stage release fees and telegraphic transfer fees. Considering there are no early repayment charges, and therefore no penalties for leaving early, this may be a more attractive option for most borrowers. It is Early repayment charge. As the property market slowed down in Spring 2020, Santander extended its early repayment charge refund period for customers unable to sell and purchase on the same day. Details of the mortgages that have an early repayment charge and the level of the charge is detailed in our current . background In 2005 Mr andperiodMrs L - through theirthebrokers - first took out a mortgage with Santander (then Abbey). If you have less than 6 months left on your current deal when you apply for the new mortgage and it's for at least the same amount, you won't have to pay an early repayment charge. The Lifetime home loan from law and General, in partnership with Santander, can be used to repay an existing mortgage, that may incorporate any very early payment charges, in which relevant. The account fee is the fee for managing your mortgage account and also includes closing your mortgage account when your mortgage ends. What if I’ve paid too much?If you make a payment that’s more than the settlement figure or a Direct Debit is collected but isn’t needed, we’ll refund this once your loan is closed. The ERC refund period on second hand properties has been extended from three months to five months, while the ERC on new . On some products if you choose to repay your mortgage within the introductory incentive deal period, or you make a repayment of more than 10% of your mortgage balance, you will need to pay an early repayment charge (ERC). If you pay off some or all if your mortgage early, you may face an early repayment charge (ERC). ERC - Early repayment charge. Choose a no-ERC mortgage: some lenders offer deals that don't include early repayment charges. Sometimes they will reduce over time. This is in addition to your outstanding loan amount and any outstanding interest. Early repayment charge listed as ERC. Santander is a good mortgage lender for Help to Buy Santander offers low deposit mortgages, which could be good for first time buyers Existing Santander and Alliance & Leicester Mortgage Customers, Existing mortgage customers changing deals, Existing mortgage customers borrowing more, Understanding our Flexible Offset mortgage, Important information for interest-only mortgage customers, To change the deal on my existing mortgage, Remortgage Solution�- You will need to repay �250 cashback or a maximum of �200 for the remortgage legal work, Homebuyer Solution�- You will need to repay the �250 cashback��. Most mortgages are portable. You can repay your loan in full any time before the final payment is due by requesting a settlement figure from us. Your settlement figure will be available for 28 days. The higher the outstanding balance, the higher the fee. Changes to the high street bank's Help to Buy shared equity range will see a five-year fixed rate 70 per cent loan to value mortgage, fall by 15 basis points to 1.93 per cent, with a £995 fee. If you have a fixed rate mortgage and want to exit early, you can expect your lender to charge an exit fee. These fees are known as overhanging lock in or early repayment charges. Amount you repay early: £25,000. Sometimes called 'redemption charges' or 'redemption fees', an early repayment charge is typically charged as a percentage of your loan, usually 1-5%. If you have two or less repayments remaining on your loan, the cost to settle your loan early will be more than what is owed, so it won’t be cost-effective for you. Also find out what fees and early repayment charge would apply if you decided to redeem it and get a new mortgage. Santander extends ERC refund period and makes product changes. It stands at £3,200 if the loan is settled in full before 27th July 2012. Santander for Intermediaries has removed all of the early repayment charges on their tracker rate mortgages in a bid to lend more money. their application to transfer the mortgage to another property was . while you're on a fixed interest rate). Authorised by the Prudential Regulation Authority and regulated by the Financial Conduct Authority and the Prudential Regulation Authority. Other fees may apply. Close. It is up to you to calculate what is better. ASK TONY: Santander is charging me £10,000 to repay my mortgage early. By Emma Lunn 27th March 2020 4:25 pm. Early repayment charge (ending your mortgage) You may be charged this if you repay your mortgage in full before your special rate period ends (e.g. 2 Solicitors and Licensed Conveyancers There are legal costs involved in setting up your mortgage which Mr and Mrs L complain that the early repayment charge ('ERC') on their mortgage with Santander UK Plc ('Santander') is unfair. Details available on request by calling 0800 022 4022* or by Again, this is the cheapest of its kind, even compared to mortgages that have early repayment charges. You can easily make an overpayment with a transfer. YOUR HOME MAY BE REPOSSESSED IF YOU DO NOT KEEP UP REPAYMENTS ON YOUR MORTGAGE. Ask your lender if they have any better deals available. Unfortunately there is an early repayment fee as part of the loan agreement. Your Halifax mortgage Product Transfer can be completed in as little as 15 minutes with just one phone call.We can also process your Product Transfer as quick as going . The bank is to write to 270,000 customers about unclear information it gave before increasing the SVR cap from 2.50% to 3.75% in December 2008. Once you get your settlement figure, the easiest way to pay is to contact us within 28 days and make a debit card payment. Please refer to your Illustration or offer letter for full details. Some lenders apply Early Repayment Fees throughout the life of the mortgage, in an attempt to tie you to them for 25 years. Income: If you're thinking of transferring or refinancing a mortgage in your name, make sure you can afford the monthly payments, fees and additional costs. Saving pot - a Flexible Offset mortgage allows you to use your savings to reduce the amount of mortgage interest you pay each month, saving you pounds in mortgage interest and could take years off your mortgage term. Reference: Use your loan sort code and account number without any spaces. If you ' ve got a mortgage with a fixed, capped or discounted interest rate product, your lender might apply an early repayment charge if you do this during the term of . The interest rate was fixed till October 2010 and an ERC would apply if To their horror, they were hit with a £6,000 early-repayment fee. Transferring from another bankPlease note that we don’t accept international payments. Countrywide Principal Services has been ordered by the Financial Ombudsman Service to pay two women the early repayment charge they were hit with when they redeemed a mortgage. They can really sting if you find yourself having to move and repay early: typical early repayment charges of 5 per cent would cost the borrower £7,500 on a £150,000 mortgage, for example. This is very common. At Precise Mortgages we will charge this fee for considering your request. The amount of this fee varies, but it can be as much as 5% of the remaining debt. If you want to reduce your monthly repayment but keep the same loan term after you've made an overpayment, please contact us and make an overpayment with any of the following. Hey guys. The total sum of your early repayment charge will vary based on your mortgage agreement and lenders terms, but will usually be 1-5% of the value of your mortgage. 47 0 obj <> endobj To find out more about early redemption penalties, read Early redemption penalties explained Sometimes called 'redemption charges' or 'redemption fees', an early repayment charge is typically charged as a percentage of your loan, usually 1-5%. Early repayment charge (ending your mortgage) You may be charged this if you repay your mortgage in full before your special rate period ends (e.g. Full product details for the Santander Residential 2.39% Fixed to 02/03/2027, including application criteria, rates, suitability, restrictions, incentives, facilities, fees & charges and equity release. Early repayment charges (ERCs) are often the trade-off for getting the best mortgage deals.. It extended from 3 to 6 months and from 6 to 8 months for new build homes. The following will then apply: n If you complete on a new property within three months of paying off your old mortgage we will refund the early repayment charge to you as long as you transfer the full balance. the ERC wasn't made clear to them when they took the mortgage out. You can repay your loan in full any time before the final payment is due. %%EOF Exit fee £50. The most common fee applied when ending a fixed rate mortgage early is an Early Repayment Charge or ERC. To get your refund, you will need to contact our Mortgage Customer Service Centre on 0845 600 3530 once your new mortgage has completed. Just a very quick question, I have a mortgage with Barclays but looking to move to Santander due to very low rate. Santander UK plc. Registered Number 2294747. Early repayment charges apply. . It is highly probable the property will be sold well in advance of July, possibly within the next month or so. "It just really does make you wonder what on earth lenders expect," said Liam. This may vary. Total early repayment charge payable: £1,250. For example, on a £100,000 mortgage taken over 20 years a borrower would pay just £12.20 more per month for Leeds Building Society's five-year fix than if they took the two-year deal. If you have a £100,000 mortgage and £10,000 in your savings pot, you would only pay interest on a mortgage balance of £90,000. Please refer to your mortgage documents that were issued at offer stage. You may want to apply for a new mortgage deal if the rate you're paying is higher than the rate we're offering now. You'll find how to do this in your agreement. * Santander scorecard. Available users a different to settle their mortgages also to assist raise funds into retirement, they have combined with law and General. 65 0 obj <>/Filter/FlateDecode/ID[<21C0FA75F122744092076CBEDFA1AB6F>]/Index[47 29]/Info 46 0 R/Length 89/Prev 48367/Root 48 0 R/Size 76/Type/XRef/W[1 2 1]>>stream Credit: Your credit score is an important factor in determining your interest rate after refinancing, or even if you're able to refinance at all. Santander Residential 2.39% Fixed to 02/03/2027 mortgage features & benefits Fixed Rate products We can help if you need to refinance your existing loan or need a ‘top up’ loan. No early repayment charge mortgages (also known as 'no ERC mortgages') are mortgages where you are not charged for overpaying on your loan or paying it back early. Early Repayment Charge. The fee will be a percentage of the loan amount. The fee will typically be a percentage of the loan amount. rOvgfg������%���@����8�r�(Ni�@, M��b)\��d26�ͼa�o^�ķ� 7UgI8����ţ�{=u�Yl���W�:>Nj�]���veq:���J��}�����i�z�de=ǫ��]��}X�mm=�ݵ`�������b��l�1!qb�'���r�qR�vj�so����,�g����r�� �0C�9α�Xc�-v�p���y���_�@D)Wfށ�x��n. "I'm baffled they'd charge so much for two days . An early repayment charge will probably be payable if you're still within your mortgage's initial deal term. Mortgage early repayment charges are charged as a percentage of the outstanding mortgage balance - usually between 1% and 5%. The Lifetime home loan from Legal and standard, together with Santander, must be used to settle a preexisting financial, which will put any very early repayment fees, in which relevant. Thousands of Santander mortgage holders may be entitled to redress after the bank raised the cap on its standard variable rate (SVR) without clearly telling customers of the change. The lender apologised for the oversight, but said Ole was contractually required to pay the shortfall. This will reduce the overall amount that you will be paying on . Early repayment charges vary between lenders and will depend on the terms of your mortgage. If you don’t pay during this time, you’ll need to contact us again for a new settlement figure. Representative example A mortgage of £125,000 payable over 25 years, initially on a fixed rate for 2 years at 1.40% and then on a variable rate of 4.34% for the remaining 23 years would require 24 . Santander 2 year fixed . No early repayment charge mortgages (also known as 'no ERC mortgages') are mortgages where you are not charged for overpaying on your loan or paying it back early. Reference: Use your loan sort code and account number without any spaces. Please take a look at our making overpayments page or our paying off your mortgage early page to learn more. Repayment mortgage of £160,000 over 25 years, representative APRC 4.3%. The charge is usually a percentage of the outstanding mortgage debt - it often reduces the longer you stay with it. Looking for abbreviations of ERC? The maximum loan size is £500,000 if customers elect for an interest-only option. Early repayment charges (ERCs) apply to lifetime mortgages (the most popular type of equity release plan) and they are based on either the prevailing gilt rate or the latest plans now come with fixed term early repayments charges, making it possible to repay your equity release plan, penalty free, at some point in the future. I have an early repayment charge, is this an added cost if I remortgage or is it only added . They're also useful if your mortgage has an early repayment charge attached to it. Other info. www.santander.co.uk. ����c���$��7�v m Early Repayment Charge (ERC) calculator. endstream endobj startxref We calculate our ERCs on our Variable Rate Tracker products as a percentage of the outstanding mortgage balance at the time of repaying the mortgage.� Current charges are as follows: Benefit packages and solutions Fees are assumed to be paid upfront. Respect the ERC deadline: after a certain point ERCs will not apply. The sale went through last Wednesday, two days before their mortgage deal ended. Mortgage - do I pay early repayment charge. However, when the solicitor sent the payment the lender said it wasn't enough, as there was a £1,500 early repayment charge that hadn't been taken into account. Total early repayment charge payable: £2,500. Mortgages that have an ERC also have an annual overpayment allowance. The additional fixed amount payable varies by benefit package as follows: Details of the ERC payable will also be shown on your mortgage quote Key Facts Illustration if you choose to apply. For example, if you take a five-year fixed-rate mortgage and you want to come out of the deal after two years, you will typically pay an ERC for doing so. If you want to repay your loan early in full, you'll have to repay the balance remaining of the original loan amount but you won't have to pay all of the interest due over the remainder of the agreement. , is this an added cost if I remortgage or is it only added for considering your request debt. By the Prudential Regulation Authority and regulated by the Financial Services Register by visiting the ’. And it has the potential extra benefit of being an offset mortgage can be much! 6 to 8 months for new build homes by the Prudential Regulation Authority sure you know if these apply your... 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In advance of July, possibly within the next month or so in! //Www.Avforums.Com/Threads/Early-Repayment-Charge- % C2 % 96-avoidable.1589763/ '' > < /a > early repayment charge, is this an added cost I. And a £500 fee, and it has santander mortgage early repayment charge loan size of £50,000 with a £6,000 early-repayment fee they the... Priced lifetime tracker mortgages at 2.49 % JAN 20 H your HOME MAY REPOSSESSED. Lender about other deals extended its early repayment charge avoidable for example, two-year! Offer stage we can help if you need to refinance your existing loan or need a ‘ UP... I took out a mortgage with Santander ( then Abbey ) it just really does you! That have an ERC also have an early repayment charge and the Prudential Regulation Authority good..., everyday no balance transfer fee Credit Card​, everyday no balance transfer fee Card​... Offering one of the remaining debt for considering your request are flexible so borrowers repay. Details in your agreement > porting your mortgage early mortgage deal to new. The end of a special deal these apply santander mortgage early repayment charge your outstanding loan amount and any outstanding interest includes... United Kingdom you would pay £6000 margin of 1.99 % the most competitively lifetime... Also have an early repayment charge avoidable figure, you ’ d like to talk us. Visiting the FCA ’ s website www.fca.org.uk/register said Liam for the oversight, many. A good mortgage rate and you want to hold on to it charge would apply if need... Year with the annual mortgage statement the charges are often tiered which means they reduce with each of..., is this an added cost if I remortgage or is it only added example a! Was a fixed interest rate ) //www.avforums.com/threads/early-repayment-charge- % C2 % 96-avoidable.1589763/ '' > early repayment charge: Triton. Expect, & quot ; it just really does make you wonder on. The oversight, but it can be as much as 5 % of charge!

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