Can I pay off 10% before paying my Santander mortgage off?

 I am in the position to pay off my Santander Mortgage early and I know there is an early repayment fee.
I can also pay off 10% each year with no penalties , I was wondering if I pay off 10% just a few weeks before I pay off my entire Santander mortgage ( in the same year)  Would this reduce my early repayment fee? or has  Santander got some clause that if its in the same year you still pay the early repaymnet fee and not take into account the 10% already paid of again in the same year?
Hope some one can help.


  • caeler
    caeler Posts: 2,605
    Mortgage-free Glee! Photogenic Name Dropper First Post
    No idea about Santander I’m afraid, you might have to call them. I’m with nationwide and believe it works this way and it’s  something I’m considering, but plan to check it with them first before I make payment. 
  • Frith
    Frith Posts: 8,089
    Mortgage-free Glee! Name Dropper Photogenic First Anniversary
    I think so.

    I paid off 10% on New Years Day and both the total and the charge dropped, with Santander.

    (I haven’t paid it all off, just paid in another lot after the 10%. I let the 10% show online first). 
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