call them up and look for mortgage specialist from thier bank, ask them whats this redemption fee for, considering that is already over the lock in period, I dunno does this apply to malaysia's bank, but in singapore, there is a thing called "clawback" even though ur mortgage is no longer locked in, clawback will be imposed basically to charge back on whatever legal subsidy, valuation fee, insurance that the bank pays for your property after approving your loan. maybe in ur case, the redemption refer to this.

Sorry as i only do singapores mortgage and above information is 100% right for mortgages in SG. but no matter what, dun pay blindly. find out from teh bank what are they charging u since lock-in is over.

while waiting for the lawyer, if u dun mind the hassle, called in to their CS hotline, lodge a complaint(in a timely manner) and ask them to escalate it to customer care unit(CCU team), inform them that the reason y u did a refinance is becoz thier staff told u that the lock-in period for ur mortgage is 3 years and hence, u proceed to refinance it. Tell them that if possible, please waive of the redemption as it is not ur fault for doing refinance after being told by teh bank staff that you're out from lock-in(common-sensely, u wouldnt do a refinance if u noe theres penalty on it right? unless, really, u r saving dam alot until u think that the redemption is worth to paid).

u might stand a chance of waiving all of the redemption but u might affect the officer's(who gave u the wrg info) career. Its up to you.