Early Repayment Charge Calculator UK
Estimate a possible charge for repaying, switching or porting a mortgage before a product period ends.
ERC calculator
Estimated ERC
£—
Estimated total exit cost
£—
This estimate does not include product fees, legal costs, valuation fees or the effect of any fee-free overpayment allowance.
Get a personalised quoteWhy ERC estimates need checking
ERCs can be calculated differently across lenders and products. Some are based on the amount repaid, some reduce by year, and some allow a limited annual overpayment before a charge applies.
Your home may be repossessed if you do not keep up repayments on your mortgage.
Frequently asked questions
Where do I find my ERC percentage? +
Check your mortgage offer, annual statement, online account or ask your lender. ERCs can reduce over time and product rules vary.
Does the calculator include overpayment allowances? +
No. Some products allow limited overpayments without charge. Check your product terms before relying on an estimate.
Should I pay an ERC to switch mortgage? +
That depends on rates, fees, remaining deal length and your circumstances. This calculator does not make a recommendation.
Helpful next pages
Calculator-led mortgage planning
UK Mortgage Calculators is centred on practical estimation tools. The pages help you model cautious scenarios before you decide whether to request a broker or adviser callback.