年間10%の解約違約金（ERC）非課税枠内で追加返済を行い、節約できる利息総額と短縮年数を算出。
All calculations, amortizations, and scenario projections displayed on this page are strictly for informational and educational purposes. Nothing herein constitutes investment, financial, tax, or legal advice. Actual HMRC tax bands, National Insurance contributions, Bank of England base rates, and lender criteria may vary. Calconova explicitly disclaims all liability for any decisions taken based upon these calculations. Consult a qualified financial advisor, CPA, or official HMRC documentation prior to executing financial commitments.