while you’re on a fixed interest rate). Early Repayment Charge Refund. Bear in mind that if you make any lump-sum overpayments during the year, these will count towards your 10% early repayment charge concession. ... New mortgage is not with Halifax and so £2242 has been whack on as an erc. Halifax early repayment charge refund HELP. If we complete on the new mortgage within 3 months (likely to be 2/3 days) then we can apply to have the ERC charge refunded (as we are porting current mortgage to new deal). If you’re an existing Halifax customer and want to apply for a new loan please call 0345 724 3444 – option 1. • Details of early repayment charges you may have to pay are set out in your Mortgage Illustration and offer letter. MORT 0012 JAN 19 H2 I hadn't given serious thought to switching deals and paying the ERC before now but 2.9% is well above the current going rate for deals in the similar LTV bracket. 7 replies 5K views Scotty88_2 Forumite. EARLY REPAYMENT CHARGES. It is unlikely that we will complete on both at the same time so Halifax are saying we need to pay the ERC on the current mortgage. Halifax Bank Plc Early repayment charges apply in the first 2 years of the mortgage. 0000 Yes. Early repayment charge • A charge we make if you repay part or all of your mortgage early or if we agree you can change your product. 14 posts. ... Halifax, HSBC and Lloyds Bank. The Halifax mortgage is just over 3 years into a 5 year fix at 2.9%, with an ERC of 3% for the next year and then 2% for the last year. Early repayment charges, page 17 Taking your product rate to … Halifax Early Repayment Charge aaaarrgg!! in each calendar year ycu can make regular or lump-sum cwerpayments of up to 10% of the amount owed at 1st January without hwing to p" an earty repay ment charge. Any repayment of the mortgage, either by remortgaging or selling or just paying the mortgage off within the fixed term will result in the early repayment charge. Lines open Mon-Fri: 8am-10pm, Sat; 9am-6pm, Sun: 09.30am-5.30pm. All new and existing Halifax customers But has anyone known any goodwill gestures by the Halifax or is my intended phonecall/letter pleading with them a waste of time. 0. 0000 of Why do charge to to do we 0000 me EXAMPLE: Are there any exceptions to this? 18 November 2017 at 11:22PM edited 30 November -1 … If we have an early repayment charge concession when you make your overpayment, you will pay an early repayment charge on only the part of the overpayment that exceeds our concession limit. 1.30% of the amount repaid on or before the first year and 0.80% of the amount repaid on or before the second year. Please see your mortgage offer for details. Currently, as a cmcessim. I know, I know, I know!!! 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