Heritage Freedom 40 and Freedom 20 are the most flexible products on the ligetime mortgages market. Freedom 40 allows 40% ERC-free repayments and Freedom 20 allows 20% with both allowing 12 payments to be made within a year. To make it easier for you and your clients we have created an annual overpayments and ERC calculator. Simply enter the property value, loan size, interest rate and when you want to make any repayments and the calculator will show the impact these payments have on the balance, equity remaining and if any ERCs are applicable. You can also use the calculator for our Classic and Heritage range which allow 10% overpayments a year.