Hi, I recently got charged an early redemption penalty which I think is unfair. I'd taken out a mortgage of about £200k, but this also included a facility to borrow an extra £100k approx if I needed it (I was thinking about giving up work and doing a masters) - I never made use of this, but when I broke the mortgage within the fixed period they calculated the early redemption charges based on a 300K mortgage having being broken. Is this legal? It does seem unjust to charge me to break a contract for something that they were not making any interest on anyway. Any help appreciated Tom