This page covers news and analysis on early repayment charges, including lender policy changes and customer outcomes. Scroll down to understand how ERCs are shaping refinancing and overpayment decisions.
Your round-up of mortgage rate changes and product updates over the past week
Check back weekly or favourite this page to keep an eye on the ever-changing rates.
Buy to Let borrowers can take advantage of a short-term fixed rate with Nationwide from 2.99% with a product fee of 2% of the total loan amount. Barclays are offering 4.78% with no product fee for Existing Customers looking for a short-term fixed rate. TSB are also offering an Existing Customer Product Transfer Residential fixed rate at 5.70% with no product fee.
TSB mortgage rates for existing customers are currently offered in 2, 5, and 10-year terms. See what mortgage rate may work best for you as a current customer of TSB!
HSBC mortgage rates for existing customers are currently offered in 2, 3, 5, and 10-year terms. See what mortgage rate may work best for you!
Borrowers clinging to sub-2% fixes are fuelling second charge demand, but the market's next chapter may look very different
Crystal Specialist Finance's strategy director on why second charge mortgages deserve a place in every adviser's toolkit
The second charge market is growing fast, but brokers who wait until clients are in trouble may already be too late
Uptake is rising and the base rate is steady, but most borrowers have never been offered a tracker as a remortgage option
Market data shows first monthly contraction since April 2025, though longer-term growth trends remain strong
