Mortgages for Individual Circumstances

You can repay lump sums over and above your minimum monthly repayment without any early repayment charge of up to 10% of your capital balance each year. Your capital balance is calculated when you take out your mortgage at each anniversary.  Full details will be found in your Mortgage Illustration (ESIS).

An early repayment charge will be payable if the mortgage is redeemed within the first two years. The early repayment charge will be equivalent to 2% of the capital repaid less the permitted 10% overpayment allowance in the first year and 1% of the capital balance repaid less the permitted 10% overpayment allowance in the second year. Overpayments (monthly or lump sum) up to a total of 10% of the outstanding loan per year are allowed without charge. Any amount repaid over the 10% limit will incur an early repayment charge of 2% on the excess amount in year 1 and 1% on the excess amount in year 2.

Where any part of the loan is arranged on an interest only basis, the interest only element must not exceed 50% LTV.  A suitable repayment vehicle sufficient to cover the interest only part of the loan needs to be in place.

This product may be withdrawn without notice.

Representative Example

A mortgage of £201,120 payable over 30 years on our discounted rate for 2 years at 2.65% below the Society’s standard variable rate, making the current rate payable 4.84% (variable) and then on our current variable rate of 7.49% (variable) for the remaining 28 years would require 24 monthly payments of £1,060.08 and 336 monthly payments of £1,387.77 plus one initial interest payment of £400.04. The total amount payable would be £492,756.68 made up of the loan amount plus interest (£291,586.68) and a mortgage exit fee of £50.

The overall cost for comparison is 7.3% APRC representative.

This representative example assumes a mortgage completion date on the 15th day of a calendar month.

What is a Representative Example?

Representative Examples include the costs associated with a typical mortgage from Penrith Building Society.  They are not specific to your circumstances. For a Mortgage Illustration, which takes into account your specific circumstances please contact us directly using the button below.

Contact us

YOUR HOME MAY BE REPOSSESSED IF YOU DO NOT KEEP UP REPAYMENTS ON YOUR MORTGAGE.

You can repay lump sums over and above your minimum monthly repayment without any early repayment charge of up to 10% of your capital balance each year. Your capital balance is calculated when you take out your mortgage at at each anniversary.  Full details will be found in your Mortgage Illustration (ESIS)

An early repayment charge will be payable if the mortgage is redeemed within the first two years. The early repayment charge will be equivalent to 2% of the capital repaid less the permitted 10% overpayment allowance in the first year and 1% of the capital  repaid less the permitted 10% overpayment allowance in the second year. Overpayments (monthly or lump sum) up to a total of 10% of the outstanding loan per year are allowed without charge. Any amount repaid over the 10% limit will incur an early repayment charge of 2% on the excess amount in year 1 and 1% on the excess amount in year 2.

A mortgage of £218,160 payable over 20 years on our fixed rate for 2 years at 4.79% and then on our standard variable rate of 7.49% for the remaining 18 years would require 24 monthly payments of £1,414.57  and 216 monthly payments of £1,726.66 plus one initial interest payment of £429.45. The total amount payable would be £407,577.55 made up of the loan amount plus interest (£189,367.55) and a mortgage exit fee of £50.

The overall cost for comparison is 7.1% APRC representative.

This representative example assumes a mortgage completion date on the 15th day of a calendar month.

What is a Representative Example?

Representative Examples include the costs associated with a typical mortgage from Penrith Building Society.  They are not specific to your circumstances. For a Mortgage Illustration, which takes into account your specific circumstances please contact us directly using the button below.

Contact us

YOUR HOME MAY BE REPOSSESSED IF YOU DO NOT KEEP UP REPAYMENTS ON YOUR MORTGAGE.

You can repay lump sums over and above your minimum monthly repayment without any early repayment charge of up to 10% of your capital balance each year. Your capital balance is calculated when you take out your mortgage at at each anniversary.  Full details will be found in your Mortgage Illustration (ESIS)

An early repayment charge will be payable if the mortgage is redeemed within the first two years. The early repayment charge will be equivalent to 2% of the capital repaid less the permitted 10% overpayment allowance in the first year and 1% of the capital  repaid less the permitted 10% overpayment allowance in the second year. Overpayments (monthly or lump sum) up to a total of 10% of the outstanding loan per year are allowed without charge. Any amount repaid over the 10% limit will incur an early repayment charge of 2% on the excess amount in year 1 and 1% on the excess amount in year 2.

A mortgage of £218,160 payable over 20 years on our fixed rate for 2 years at 4.94% and then on our standard variable rate of 7.49% for the remaining 18 years would require 24 monthly payments of £1,432.54 and 216 monthly payments of £1,728.47 plus one initial interest payment of £442.89. The total amount payable would be £408,412.87 made up of the loan amount plus interest (£190,202.87) and a mortgage exit fee of £50.

The overall cost for comparison is 7.2% APRC representative.

This representative example assumes a mortgage completion date on the 15th day of a calendar month.

What is a Representative Example?

Representative Examples include the costs associated with a typical mortgage from Penrith Building Society.  They are not specific to your circumstances. For a Mortgage Illustration, which takes into account your specific circumstances please contact us directly using the button below.

Contact us

YOUR HOME MAY BE REPOSSESSED IF YOU DO NOT KEEP UP REPAYMENTS ON YOUR MORTGAGE.

You can repay lump sums over and above your minimum monthly repayment without any early repayment charge of up to 10% of your capital balance each year. Your capital balance is calculated when you take out your mortgage at at each anniversary.  Full details will be found in your Mortgage Illustration (ESIS)

An early repayment charge will be payable if the mortgage is redeemed within the first five years. The early repayment charge will be equivalent to 5% of the capital repaid less the permitted 10% overpayment allowance in the first year and then 4% of the capital repaid less the permitted 10% overpayment allowance in the second year followed by 3% of the capital repaid less the permitted 10% overpayment allowance in the third year followed by 2% of the capital repaid less the permitted 10% overpayment allowance in the forth year followed by 1% of the capital repaid less the permitted 10% overpayment allowance in the fifth year. Overpayments (monthly or lump sum) up to a total of 10% of the outstanding loan per year are allowed without charge. Any amount repaid over the 10% limit will incur an early repayment charge of 5% on the excess amount in year 1 and 4% on the excess amount in year 2 and 3% on the excess amount in year 3 and 2% on the excess amount in year 4 and 1% on the excess amount in year 5.

A mortgage of £218,160 payable over 20 years on our fixed rate for 5 years at 4.69% and then on our standard variable rate of 7.49% for the remaining 15 years would require 60 monthly payments of £1,402.66 and 180 monthly payments of £1,677.49 plus one initial interest payment of £420.48. The total amount payable would be £386,656.43 made up of the loan amount plus interest (£168,446.43) and a mortgage exit fee of £50.

The overall cost for comparison is 6.3% APRC representative.

This representative example assumes a mortgage completion date on the 15th day of a calendar month.

What is a Representative Example?

Representative Examples include the costs associated with a typical mortgage from Penrith Building Society.  They are not specific to your circumstances. For a Mortgage Illustration, which takes into account your specific circumstances please contact us directly using the button below.

Contact us

YOUR HOME MAY BE REPOSSESSED IF YOU DO NOT KEEP UP REPAYMENTS ON YOUR MORTGAGE.

You can repay lump sums over and above your minimum monthly repayment without any early repayment charge of up to 10% of your capital balance each year. Your capital balance is calculated when you take out your mortgage at at each anniversary.  Full details will be found in your Mortgage Illustration (ESIS)

An early repayment charge will be payable if the mortgage is redeemed within the first five years. The early repayment charge will be equivalent to 5% of the capital repaid less the permitted 10% overpayment allowance in the first year and then 4% of the capital repaid less the permitted 10% overpayment allowance in the second year followed by 3% of the capital repaid less the permitted 10% overpayment allowance in the third year followed by 2% of the capital repaid less the permitted 10% overpayment allowance in the forth year followed by 1% of the capital repaid less the permitted 10% overpayment allowance in the fifth year. Overpayments (monthly or lump sum) up to a total of 10% of the outstanding loan per year are allowed without charge. Any amount repaid over the 10% limit will incur an early repayment charge of 5% on the excess amount in year 1 and 4% on the excess amount in year 2 and 3% on the excess amount in year 3 and 2% on the excess amount in year 4 and 1% on the excess amount in year 5.

A mortgage of £218,160 payable over 20 years on our fixed rate for 5 years at 4.74% and then on our standard variable rate of 7.49% for the remaining 15 years would require 60 monthly payments of £1,408.61 and 180 monthly payments of £1,679.02 plus one initial interest payment of £424.96. The total amount payable would be £387,293.31 made up of the loan amount plus interest (£169,083.31) and a mortgage exit fee of £50.

The overall cost for comparison is 6.3% APRC representative.

This representative example assumes a mortgage completion date on the 15th day of a calendar month.

What is a Representative Example?

Representative Examples include the costs associated with a typical mortgage from Penrith Building Society.  They are not specific to your circumstances. For a Mortgage Illustration, which takes into account your specific circumstances please contact us directly using the button below.

Contact us

YOUR HOME MAY BE REPOSSESSED IF YOU DO NOT KEEP UP REPAYMENTS ON YOUR MORTGAGE.

You can repay lump sums over and above your minimum monthly repayment without any early repayment charge of up to 10% of your capital balance each year. Your capital balance is calculated when you take out your mortgage at each anniversary.  Full details will be found in your Mortgage Illustration (ESIS).

An early repayment charge will be payable if the mortgage is redeemed within the first two years. The early repayment charge will be equivalent to 2% of the capital repaid less the permitted 10% overpayment allowance in the first year and 1% of the capital  repaid less the permitted 10% overpayment allowance in the second year. Overpayments (monthly or lump sum) up to a total of 10% of the outstanding loan per year are allowed without charge. Any amount repaid over the 10% limit will incur an early repayment charge of 2% on the excess amount in year 1 and 1% on the excess amount in year 2.

The title of the property to be mortgaged, must be registered at the land registry prior to making an application. The Society will pay the legal costs (including disbursements) if using the Society’s nominated solicitors, who will act for both the Society and borrower(s). This is on the assumption that the transaction is uncomplicated. For mortgage applications where additional legal work is required, you will be liable for the cost of additional legal fees, but these will be agreed between you and the Solicitors before the additional work is carried out. Once legal works have commenced if you withdraw from the transaction or fail to take up the mortgage advance then you will become responsible for all the legal costs without a contribution from the Society.

This product may be withdrawn without notice.

Representative Example

A mortgage of £218,160 payable over 20 years on our discounted rate for 2 years at 2.65% below the Society’s standard variable rate, making the rate payable 4.84% , and then on our standard variable rate of 7.49% for the remaining 18 years would require 24 monthly payments of £1,420.55 and 216 monthly payments of £1,727.27 plus one initial interest payment of £433.93. The total amount payable would be £407,856.16 made up of the loan amount plus interest (£189,646.16) and a mortgage exit fee of £50.

The overall cost for comparison is 7.1% APRC representative.

This representative example assumes a mortgage completion date on the 15th day of a calendar month.

What is a Representative Example?

Representative Examples include the costs associated with a typical mortgage from Penrith Building Society.  They are not specific to your circumstances. For a Mortgage Illustration, which takes into account your specific circumstances please contact us directly using the button below.

Contact us

YOUR HOME MAY BE REPOSSESSED IF YOU DO NOT KEEP UP REPAYMENTS ON YOUR MORTGAGE.

You can repay lump sums over and above your minimum monthly repayment without any early repayment charge of up to 10% of your capital balance each year. Your capital balance is calculated when you take out your mortgage at each anniversary.  Full details will be found in your Mortgage Illustration (ESIS).

An early repayment charge will be payable if the mortgage is redeemed within the first two years. The early repayment charge will be equivalent to 2% of the capital repaid less the permitted 10% overpayment allowance in the first year and 1% of the capital  repaid less the permitted 10% overpayment allowance in the second year. Overpayments (monthly or lump sum) up to a total of 10% of the outstanding loan per year are allowed without charge. Any amount repaid over the 10% limit will incur an early repayment charge of 2% on the excess amount in year 1 and 1% on the excess amount in year 2.

The title of the property to be mortgaged, must be registered at the land registry prior to making an application. The Society will pay the legal costs (including disbursements) if using the Society’s nominated solicitors, who will act for both the Society and borrower(s). This is on the assumption that the transaction is uncomplicated. For mortgage applications where additional legal work is required, you will be liable for the cost of additional legal fees, but these will be agreed between you and the Solicitors before the additional work is carried out. Once legal works have commenced if you withdraw from the transaction or fail to take up the mortgage advance then you will become responsible for all the legal costs without a contribution from the Society.

This product may be withdrawn without notice.

Representative Example

A mortgage of £218,160 payable over 20 years on our discounted rate for 2 years at 2.5% below the Society’s standard variable rate, making the rate payable 4.99% , and then on our standard variable rate of 7.49% for the remaining 18 years would require 24 monthly payments of £1,438.55 and 216 monthly payments of £1,729.07 plus one initial interest payment of £447.38. The total amount payable would be £408,690.97 made up of the loan amount plus interest (£190,480.97) and a mortgage exit fee of £50.

The overall cost for comparison is 7.2% APRC representative.

This representative example assumes a mortgage completion date on the 15th day of a calendar month.

What is a Representative Example?

Representative Examples include the costs associated with a typical mortgage from Penrith Building Society.  They are not specific to your circumstances. For a Mortgage Illustration, which takes into account your specific circumstances please contact us directly using the button below.

Contact us

YOUR HOME MAY BE REPOSSESSED IF YOU DO NOT KEEP UP REPAYMENTS ON YOUR MORTGAGE.

You can repay lump sums over and above your minimum monthly repayment without any early repayment charge of up to 10% of your capital balance each year. Your capital balance is calculated when you take out your mortgage at each anniversary.  Full details will be found in your Mortgage Illustration (ESIS).

An early repayment charge will be payable if the mortgage is redeemed within the first two years. The early repayment charge will be equivalent to 2% of the capital repaid less the permitted 10% overpayment allowance in the first year and 1% of the capital balance repaid less the permitted 10% overpayment allowance in the second year. Overpayments (monthly or lump sum) up to a total of 10% of the outstanding loan per year are allowed without charge. Any amount repaid over the 10% limit will incur an early repayment charge of 2% on the excess amount in year 1 and 1% on the excess amount in year 2.

Where any part of the loan is arranged on an interest only basis, the interest only element must not exceed 50% LTV.  A suitable repayment vehicle sufficient to cover the interest only part of the loan needs to be in place.

This product may be withdrawn without notice.

Representative Example

A mortgage of £237,130 payable over 30 years on our discounted rate for 2 years at 2.65% below the Society’s standard variable rate, making the current rate payable 4.84% (variable) and then on our standard variable rate of 7.49% for the remaining 28 years would require 24 monthly payments of £1,249.88 and 336 monthly payments of £1,636.25 plus one initial interest payment of £471.66. The total amount payable would be £582,342.50 made up of the loan amount plus interest (£343,794.50) and a product fee of £999, valuation fee of £369 and a mortgage exit fee of £50.

The overall cost for comparison is 7.3% APRC representative.

This representative example assumes a mortgage completion date on the 15th day of a calendar month.

What is a Representative Example?

Representative Examples include the costs associated with a typical mortgage from Penrith Building Society.  They are not specific to your circumstances. For a Mortgage Illustration, which takes into account your specific circumstances please contact us directly using the button below.

Contact us

YOUR HOME MAY BE REPOSSESSED IF YOU DO NOT KEEP UP REPAYMENTS ON YOUR MORTGAGE.

You can repay lump sums over and above your minimum monthly repayment without any early repayment charge of up to 10% of your capital balance each year. Your capital balance is calculated when you take out your mortgage at each anniversary.  Full details will be found in your Mortgage Illustration (ESIS).

An early repayment charge will be payable if the mortgage is redeemed within the first two years. The early repayment charge will be equivalent to 2% of the capital repaid less the permitted 10% overpayment allowance in the first year and 1% of the capital balance repaid less the permitted 10% overpayment allowance in the second year. Overpayments (monthly or lump sum) up to a total of 10% of the outstanding loan per year are allowed without charge. Any amount repaid over the 10% limit will incur an early repayment charge of 2% on the excess amount in year 1 and 1% on the excess amount in year 2.

This product may be withdrawn without notice.

Representative Example

A mortgage of £237,130 payable over 30 years on our discounted rate for 2 years at 2.5% below the Society’s standard variable rate, making the current rate payable 4.84% (variable) and then on our standard variable rate of 7.49% for the remaining 28 years would require 24 monthly payments of £1,271.52 and 336 monthly payments of £1,637.61 plus one initial interest payment of £486.28. The total amount payable would be £583,333.18 made up of the loan amount plus interest (£344,785.18) and a product fee of £999, valuation fee of £395 and a mortgage exit fee of £50.

The overall cost for comparison is 7.4% APRC representative.

This representative example assumes a mortgage completion date on the 15th day of a calendar month.

What is a Representative Example?

Representative Examples include the costs associated with a typical mortgage from Penrith Building Society.  They are not specific to your circumstances. For a Mortgage Illustration, which takes into account your specific circumstances please contact us directly using the button below.

Contact us

YOUR HOME MAY BE REPOSSESSED IF YOU DO NOT KEEP UP REPAYMENTS ON YOUR MORTGAGE.

You can repay lump sums over and above your minimum monthly repayment without any early repayment charge of up to 10% of your capital balance each year. Your capital balance is calculated when you take out your mortgage at at each anniversary.  Full details will be found in your Mortgage Illustration (ESIS)

An early repayment charge will be payable if the mortgage is redeemed within the first two years. The early repayment charge will be equivalent to 2% of the capital repaid less the permitted 10% overpayment allowance in the first year and 1% of the capital  repaid less the permitted 10% overpayment allowance in the second year. Overpayments (monthly or lump sum) up to a total of 10% of the outstanding loan per year are allowed without charge. Any amount repaid over the 10% limit will incur an early repayment charge of 2% on the excess amount in year 1 and 1% on the excess amount in year 2.

In the case of remortgages, the title of the property to be mortgaged, must be registered at the land registry prior to making an application. The Society will, for this application, pay the legal costs (including disbursements) if using the Society’s nominated solicitors, who will act for both the Society and borrower(s). This is on the assumption that the transaction is uncomplicated. For mortgage applications where additional legal work is required, you will be liable for the cost of additional legal fees, but these will be agreed between you and the Solicitors before the additional work is carried out. Once legal works have commenced if you withdraw from the transaction or fail to take up the mortgage advance then you will become responsible for all the legal costs without a contribution from the Society.

Where any part of the loan is arranged on an interest only basis, the interest only element must not exceed 50% LTV. A suitable repayment strategy sufficient to cover the interest only part of the loan needs to be in place.

This product may be withdrawn without notice.

Representative Example

A mortgage of £218,160 payable over 20 years on our discounted rate for 2 years at 2.65% below the Society’s current variable rate, making the current rate payable 4.84% (variable), and then on our standard variable rate of 7.49% for the remaining 18 years would require 24 monthly payments of £1,420.55 and 216 monthly payments of £1,727.27 plus one initial interest payment of £433.93. The total amount payable would be £409,224.16 made up of the loan amount plus interest (£189,646.16), a product fee of £999, valuation fee £369 and a mortgage exit fee of £50.

The overall cost for comparison is 7.2% APRC representative.

This representative example assumes a mortgage completion date on the 15th day of a calendar month.

What is a Representative Example?

Representative Examples include the costs associated with a typical mortgage from Penrith Building Society.  They are not specific to your circumstances. For a Mortgage Illustration, which takes into account your specific circumstances please contact us directly using the button below.

Contact us

YOUR HOME MAY BE REPOSSESSED IF YOU DO NOT KEEP UP REPAYMENTS ON YOUR MORTGAGE.

You can repay lump sums over and above your minimum monthly repayment without any early repayment charge of up to 10% of your capital balance each year. Your capital balance is calculated when you take out your mortgage at at each anniversary.  Full details will be found in your Mortgage Illustration (ESIS)

An early repayment charge will be payable if the mortgage is redeemed within the first two years. The early repayment charge will be equivalent to 2% of the capital repaid less the permitted 10% overpayment allowance in the first year and 1% of the capital  repaid less the permitted 10% overpayment allowance in the second year. Overpayments (monthly or lump sum) up to a total of 10% of the outstanding loan per year are allowed without charge. Any amount repaid over the 10% limit will incur an early repayment charge of 2% on the excess amount in year 1 and 1% on the excess amount in year 2.

In the case of remortgages, the title of the property to be mortgaged, must be registered at the land registry prior to making an application. The Society will, for this application, pay the legal costs (including disbursements) if using the Society’s nominated solicitors, who will act for both the Society and borrower(s). This is on the assumption that the transaction is uncomplicated. For mortgage applications where additional legal work is required, you will be liable for the cost of additional legal fees, but these will be agreed between you and the Solicitors before the additional work is carried out. Once legal works have commenced if you withdraw from the transaction or fail to take up the mortgage advance then you will become responsible for all the legal costs without a contribution from the Society.

Where any part of the loan is arranged on an interest only basis, the interest only element must not exceed 50% LTV. A suitable repayment strategy sufficient to cover the interest only part of the loan needs to be in place.

This product may be withdrawn without notice.

Representative Example

A mortgage of £218,160 payable over 20 years on our discounted rate for 2 years at 2.5% below the Society’s current variable rate, making the current rate payable 4.99% (variable), and then on our standard variable rate of 7.49% for the remaining 18 years would require 24 monthly payments of £1,438.55 and 216 monthly payments of £1,729.07 plus one initial interest payment of £447.38. The total amount payable would be £410,058.97 made up of the loan amount plus interest (£190,480.97), a product fee of £999, valuation fee £369 and a mortgage exit fee of £50.

The overall cost for comparison is 7.3% APRC representative.

This representative example assumes a mortgage completion date on the 15th day of a calendar month.

What is a Representative Example?

Representative Examples include the costs associated with a typical mortgage from Penrith Building Society.  They are not specific to your circumstances. For a Mortgage Illustration, which takes into account your specific circumstances please contact us directly using the button below.

Contact us

YOUR HOME MAY BE REPOSSESSED IF YOU DO NOT KEEP UP REPAYMENTS ON YOUR MORTGAGE.

You can repay lump sums over and above your minimum monthly repayment without any early repayment charge of up to 10% of your capital balance each year. Your capital balance is calculated when you take out your mortgage at at each anniversary.  Full details will be found in your Mortgage Illustration (ESIS)

An early repayment charge will be payable if the mortgage is redeemed within the first three years.  The early repayment charge will be equivalent to 2% of the capital repaid less the overpayment allowance in year 1 and 2 and 1% of the capital repaid less the overpayment allowance in year 3.  Overpayments (monthly or lump sum) up to a total of 10% of the outstanding loan per year are allowed without charge.  Any amount repaid over the 10% limit will incur an early repayment charge on the excess amount.

This product has  been developed to assist those with the following mortgage needs:

• Late payments
• Defaults
• County Court Judgements (CCJs)
• Individual Voluntary Arrangements (IVAs)
• Previous mortgage arrears
• Bankruptcy
• Debt management plans

Any applicant who:

Within the last two years has owed overdue payments, in an amount equivalent to more than three months‘ payments, on a mortgage or other loan (whether secured or unsecured), except where the amount overdue reached that level because of late payment caused by errors by a bank or other third party; or

Has been the subject of one or more county court judgments, with a total value greater than £500, within the last three years; or

Has been subject to an individual voluntary arrangement or bankruptcy order which was in force at any time within the last three years;  

Has taken out more than one Pay Day Loan in the last 12 months;

Has had mortgage arrears of more than 2 months in the last 2 years;

Has had defaults on utility and communications payments of more than £2000 in total;

Has had their property repossessed within the last three years;

Will not be acceptable to us.

Whether you are looking to move your mortgage from your current provider and borrow a little more to update your home or take out a new mortgage to purchase that dream home, speak with us to see if we can assist.

Representative Example

A mortgage of £274,160 payable over 21 years and 9 months on our discounted rate for 3 years at 2.00% below the Society’s current variable rate, making the current rate payable 5.49% (variable), and then on our standard variable rate of 7.49%  for the remaining 18 years and 9 months would require 36 monthly payments of £1,801.64 and 225 monthly payments of £2,094.22 plus one initial interest payment of £618.55. The total amount payable would be £538,515.85 made up of the loan amount plus interest (£262,833.85), a product fee of £999, a valuation fee of £473 and a mortgage exit fee of £50.

The overall cost for comparison is 7.2% APRC representative.

This representative example assumes a mortgage completion date on the 15th day of a calendar month.

What is a Representative Example?

Representative Examples include the costs associated with a typical mortgage from Penrith Building Society.  They are not specific to your circumstances. For a Mortgage Illustration, which takes into account your specific circumstances please contact us directly using the button below.

Contact us

YOUR HOME MAY BE REPOSSESSED IF YOU DO NOT KEEP UP REPAYMENTS ON YOUR MORTGAGE.