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Matts Dad

ERP from a Fixed Rate Mortgage

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I am just coming to the end of a 5 year fixed rate mortgage with the Halifax. The ERP is £125 plus 5% of the outstanding balance in the first year, reducing down to £125 plus 1% during the last year. It looks like I may be ending the mortgage a month before the end of the 5 year period, which will equate to around £2500 as opposed to the £1100 I would have paid if I let the mortgage run on for its full term.

 

Knowing how slowly the house buying process can be, it is by no means sure that the mortgage will end early, but if it does is there anyway they are likley to accept the amount they would have received for the extra month rather than the higher amount?

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You would just have to ask the question but if they say no I suggest you go for an early exchange but specify what your completion date should be . i.e after the 5 year date.


Please note I am not an expert - I am not offering opinions or legal help - Please use all the information provided on the site in FAQ- step by step instructions and library- thanks Jansus:)

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