Speak with at least two lenders (and more if you can!) to gather quotes for mortgage rates and closing costs. include your current bank or lender on that list, if it’s provided you with good.
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It can cost thousands of pounds to get out of a mortgage early as the penalty is usually a percentage of the outstanding mortgage. So if your mortgage if 100,000 and the ERC is 2%, you’ll have to pay 2,000. Repayment or interest-only: you can take your mortgage out on a repayment basis or interest-only.
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