If you've been charged an ERC for making an overpayment it will be added to your mortgage.
See Also
Best Practices for Out-of-State Mortgage LendingWhen Are Prepayment Penalties Allowed in New Mortgages?If the charge is added to your mortgage you’ll be charged interest on it. If you’d prefer to pay it straight away you can either visit us in branch or send us a cheque to:
Nationwide Building Society,
Mortgage Servicing,
King's Park Road,
Moulton Park,
Northampton
NN3 6NW.
In all other instances, for example, switching from your existing Nationwide mortgage deal, you'll need to pay the charge upfront. It can't be added to your mortgage balance.
