Mortgage Overpayments

Overpayments and capital repayments can be made at any time without incurring an early repayment charge, subject to the total amount overpaid not exceeding 10% of the loan amount in any 12 month rolling period.

An early repayment charge equivalent to 3% of the full amount overpaid, will apply if the amount overpaid exceeds 10% of the loan amount in any 12 month rolling period during the first 3 years of the mortgage.

Any unused concession from a previous 12 month rolling period cannot be carried forward.

Regular overpayments on your mortgage are restricted to a maximum of £250 per month.

The Society will only provide an immediate interest credit for Capital Repayment of £500 or more. Following receipt of a regular overpayment or a lump sum repayment of less than £500 we will recalculate the amount owed and the amount of interest due at the end of the month in which the payment is received.



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