Other mortgage fees and charges

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Other mortgage fees and charges

There are a number of other hidden fees and charges that some lenders levy against borrower. Other fees such as mortgage account fees may apply in some cases.

This occurs when a lender or solicitor sets up a special account to cover all lending fees and costs. The list below is by no means complete, but could help borrowers know what to look out for in the small print.

Some of the mortgage fees included below are rolled up into administration fees and arrangement fees amongst some lenders.

• Certificate of interest paid
• Consent to change of borrower priority
• Consent to second charge
• Data Protection Act
• Deeds access
• Deeds safe scheme - Property insurance
• Direct debit reject/returned cheque/rejected debit card payment charge
• Duplicate statements
• Extend/Reduce mortgage term
• Information request from title deeds
• Legal document approval charge
• Lender’s reference charge
• Mortgage account illustration fee
• Mortgage discharge fee
• Mortgage product transfer fee
• Notification of a lapsed/unpaid life policy
• Photocopies of deeds/documents
• Property insurance substitution charge
• Property self-insurance administration charge
• Property self-insurance contingency insurance charge
• Questionnaire charge
• Repayment basis charge
• Revaluation charge
• Sale of part security
• Special clearance of a cheque
• Substitution of a life policy
• Surrender/Release of a life policy
• Tenancy consent
• Title conversion freehold/commonhold/leasehold
• Transfer of Equity charge
• Unpaid ground rent/management fees/maintenance charges
• Arrears Administration Charge
• Arrears administration charge (monthly)

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