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.
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
Your round-up of mortgage rate changes and product updates over the past week
New tracker deals span Landbay's core and specialist buy-to-let ranges, with no early repayment charges
An ageing population is driving demand for lifetime mortgage and equity release advice, but misconceptions still hold the market back
With inflation steady at 2.8% and Middle East uncertainty easing, intermediaries say the Bank made the right move
Advisers split on rate outlook but agree borrowers should secure offers before lenders reprice
