Most deals allow for 10% overpayment per year without penalty, but this varies by lender. Fixed-rate deals usually carry ERCs if you repay or exit the mortgage early. Tracker rates are often more flexible. We’ll flag any ERCs and overpayment rules before you choose a product.
Can I make overpayments? What about early repayment charges (ERCs)?
Published on 2 September 2025
10 Minutes
