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How do i pay off mort. without penalty??

We have a couple of years left on our current mort. deal with Abbey nat.We are allowed to pay off £10,000 max per year in a lump sum...if I want to pay the lot off ...I incur a penalty...when this current arrangement finishes...where can I move to in order to get a mort. that allows more control in terms of paying it off in full?? Thanks Ian
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