Mortgages with no early repayment charges?

SouthLondonUser

What mortgage products do you know of with no early repayment charges?

I will be remortgaging soon; the property is a leasehold flat (long lease, > 100 years), with an LTV ranging between 49-55% depending on where you see current values. Good credit history, wife and I and good salaries (employees, not self-employed), etc. etc.

I have found that Nationwide and the Chelsea/Yorkshire Building society offer 2-year trackers between 1.10% - 1.50% (all-in rate based on current BoE rate).
Santander, has a 2 –year tracker at 1.14% with no ERC; so does Barclays, but with a higher fee (£2k); VirginMoney has one with ERC penalties.
HSBC and FirstDirect also have 2-year trackers with no ERC, but are more expensive (> 2%).
Do you know of others?

To be clear, my situation is such that, for a number of reasons I won’t go into now, I might need to sell in a year or so, then wait 9-12 months before buying again. I’d like to be sure I have the option of doing so, even if it means I am exposed to the risk of rates going up. This means that letting my property out (which many lenders would consent to) won’t do.

Thanks!

ACG

I think you have covered off the bigger lenders, there are a couple of building societies who have similar products - or was last time I checked.

SouthLondonUser

PS In the interest of other forum users, the Chelsea/Yorkshire Building Society refund your ERC if you take out another mortgage with them within 6 months.

SouthLondonUser

I have just found out that CBS offers products without ERC to new customers only, NOT to existing customers. I am an existing CBS customer