Specialist

Mortgages With No Early Repayment Charges

Require a no ERC residential or buy to let UK mortgage?

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Mortgages With No Early Repayment Charges

Clifton private finance

We are experts in sourcing mortgage finance on residential and buy to let property transactions in the UK

We provide high quality mortgage solutions for UK and international clients.

Residential Remortgage - 2 Year Tracker Deal

No ERCs - Will Be Withdrawn Soon!

1.19% APR initial rate

Top 2 Year Tracker Rate (60% LTV)

Fixed until 31 May 2022

Subsequent rate 3.35% variable

APRC 3.2%*

Product Fee £999

Interest only - Yes

£250 Cashback or Free Standard Valuation**

No Early Redemption Charge

As at 26 March 2020

**Subject to terms

Residential Remortgage - 5 Year Fixed Deal

No ERCs

1.80% APR initial rate

Top 5 Year Fixed Rate (65% LTV)

Fixed until 30 June 2025

Subsequent rate 4.49% variable

APRC 3.5%*

Product Fee £499

Free Standard Valuation & Legals**

No Early Redemption Charge

Unlimited overpayments

As at 26 March 2020

**Subject to terms

Buy To Let Remortgage - 5 Year Fixed Deal

No ERCs

2.05% APR initial rate

Top 5 Year Fixed BTL Rate (65% LTV)

Fixed until 31 Oct 2025

Subsequent rate 4.49% variable

APRC 3.8%*

Product Fee £1999

Interest only - Yes

Free Standard Valuation & Legals**

No Early Redemption Charge

As at 26 March 2020

**Subject to terms

Contact Us

Thank You for your interest - please complete the form below and a member of our team will be in contact.

*Overall Cost For Comparison


Through our market knowledge we can deliver enhanced, bespoke or exclusive terms based on your requirements.  
Call us on 0203 900 4322 to discuss your requirements.
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No ERC Mortgages

No early repayment charge mortgages

A no ERC mortgage as the name suggests is where a mortgage lender will not charge you a fee if you overpay on your mortgage repayments or where you completely pay the loan back.

Typically mortgage lenders will charge anything between 1% to 5% as a percentage of the loan on fixed rate or tracker deals if you repay the mortgage early, and are put in place to discourage you switching away to a new lender if a better deal comes up.

ERCs typically reduce over a fixed time period e.g. anything from 2 to 5 years dependent on the type of mortgage deal you go for. 

Can I get a mortgage with no ERC?

The good news is yes.

Subject to you meeting standard mortgage affordability rules based on your income, credit profile and the amount you wish to borrow against the value of the property (LTV).

What are the benefits of no ERC mortgages?

A no ERC mortgage offers flexibility and allows you to make large repayments without restriction. This is particularly useful if your income is likely to significantly increase over the next few years, or where you likely to have capital to make large lump sum repayments.

If this fits in with your circumstances then a mortgage with nor early repayment charges may be a cheaper option for you. You can simply take the ERC of a mortgage where this applies, against the repayments as a result of higher interest rate you will pay for a no ERC mortgage and compare the difference.

What are the different types of no ERC mortgage?

Who can get a no ERC mortgage?

The best no ERC deals are available to those who have a large deposit, good income and excellent credit history.

To explore your options on what is available for your situation use our specialist service: 

Specialist mortgage service:


Residential Remortgage - 2 Year Tracker Deal

No ERCs - Will Be Withdrawn Soon!

1.19% APR initial rate

Top 2 Year Tracker Rate (60% LTV)

Fixed until 31 May 2022

Subsequent rate 3.35% variable

APRC 3.2%*

Product Fee £999

Interest only - Yes

£250 Cashback or Free Standard Valuation**

No Early Redemption Charge

As at 26 March 2020

**Subject to terms

Residential Remortgage - 5 Year Fixed Deal

No ERCs

1.80% APR initial rate

Top 5 Year Fixed Rate (65% LTV)

Fixed until 30 June 2025

Subsequent rate 4.49% variable

APRC 3.5%*

Product Fee £499

Free Standard Valuation & Legals**

No Early Redemption Charge

Unlimited overpayments

As at 26 March 2020

**Subject to terms

Buy To Let Remortgage - 5 Year Fixed Deal

No ERCs

2.05% APR initial rate

Top 5 Year Fixed BTL Rate (65% LTV)

Fixed until 31 Oct 2025

Subsequent rate 4.49% variable

APRC 3.8%*

Product Fee £1999

Interest only - Yes

Free Standard Valuation & Legals**

No Early Redemption Charge

As at 26 March 2020

**Subject to terms

Contact Us

Thank You for your interest - please complete the form below and a member of our team will be in contact.

*Overall Cost For Comparison


Our service provides creative refinance solutions.
Call us on 0203 900 4322 to discuss your requirements.
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Clients Say

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