ERC calculator

Early repayment charge calculator

Estimate whether switching early could be affected by an early repayment charge. Use the result as a planning guide, then check suitability, lender criteria and the full advice route before acting.

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Your figures

Enter the details.

£
%
£

Guide result

Your estimated result.

Estimated ERC—
Total exit cost—
Balance plus exit cost—

Your mortgage offer will confirm the exact ERC calculation and any dates where the charge changes.

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Related tools

Useful calculators to compare next.

Rate switch calculatorCompare staying with your lender against wider options. Remortgage calculatorCompare payments, rates and fees before reviewing options. Mortgage overpayment calculatorEstimate how overpayments could affect cost or term.

Advice checkpoint

Need help turning the number into a decision?

Speak to The Mortgage Hive before acting on a calculator result. The right route depends on the product, lender rules, affordability, long-term cost, risk and your wider circumstances.

Speak to an adviser Call 01202 084 064

Important information

ERC calculations are estimates only. Actual charges depend on your lender, product terms, balance, timing and any permitted overpayment allowance.

These calculators provide estimates only and are not personal advice. Speak to The Mortgage Hive before making financial decisions.