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Summary of Fees
Effective 1st January 2010.
Mortgages
Please note that fees for Commercial loans may be different than those listed below.
Home Purchase Fees
| Home Purchase Fees |
Charge (£) |
| Buildings insurance (ex block policy) initial admin fee |
27.00 |
| Drive past valuation |
79.00 |
Re-Inspection Fees
| Re-Inspection Fees * |
Charge (£) |
| Including final/interim inspections, self build - each stage release & retention releases |
59.00 |
* Re-inspection fees including VAT where applicable.
Valuation of Property (standard fee*)
| Valuation of Property Fees * |
Standard Fee (£) |
Homebuyers Fee (£) |
| Up to £100,000 |
230.00 |
375.00 |
| £100,001 - £150,000 |
245.00 |
411.00 |
| £150,001 - £200,000 |
260.00 |
474.00 |
| £200,001 - £250,000 |
300.00 |
531.00 |
| £250,001 - £300,000 |
325.00 |
562.00 |
| £300,001 - £350,000 |
350.00 |
588.00 |
| £350,001 - £400,000 |
375.00 |
640.00 |
| £400,001 - £450,000 |
400.00 |
703.00 |
| £450,001 - £500,000 |
430.00 |
755.00 |
| £500,001 - £550,000 |
475.00 |
812.00 |
| £550,001 - £600,000 |
540.00 |
812.00 |
| £600,001 - £650,000 |
600.00 |
896.00 |
| £650,001 - £700,000 |
645.00 |
974.00 |
| £700,001 - £750,000 |
700.00 |
974.00 |
| £750,001 - £800,000 |
755.00 |
974.00 |
| £800,001 - £850,000 |
810.00 |
1,083.00 |
| £850,001 - £900,000 |
860.00 |
1,193.00 |
| £900,001 - £950,000 |
915.00 |
1,354.00 |
| £950,001 - £1,000,000 |
975.00 |
By negotiation |
* Fees may differ from those shown where a non standard valuation is required.
Administration Fees
| Administration Fees |
Charge (£) |
| Account information (including interest calculations) |
20.00 |
| BACS Trace |
40.00 |
| Buildings insurance (self insurance) annual charge |
5.00 |
| Building insurance cancellation fee |
27.00 |
| Building insurance (failure to inform us prior to change of insurer) |
27.00 |
| Building Society questionnaire |
90.00 |
| CHAPS charge (British Isles) |
30.00 |
| Closed account information |
(minimum) 27.00 |
| Consent to letting (plus 1% interest rate loading) |
125.00 |
| Consent to second charge (payable up-front/on-demand) |
90.00 |
| Data Protection Act information |
(per entry) 10.00 |
| Detailed statement of account (1 year period) (payable up-front/on-demand) (per account) |
27.00 |
| Detailed statement of account (more than 1 year) |
By negotiation |
| Existing account duplicate information |
20.00 |
| Endowment complaints (paid by the endowment company) |
32.00 |
| International CHAPS charge (abroad) |
60.00 |
| Lapsed life policy |
20.00 |
| MIRAS 5 production certificate |
15.00 |
| Mortgage retention (plus £1.00 monthly charge) |
27.00 |
| Post offer product transfer |
108.00 |
| Production of certificate of title / housing grant authority letters |
15.00 |
| Registration of second charge (added to mortgage balance) |
80.00 |
| Re-letting of property |
105.00 |
| Release of land |
108.00 |
| Return Mailer |
30.00 |
| Special Cheque Presentation |
45.00 |
| Unauthorised letting |
Interest rate loading 1.5% |
Search Insurance
To dispense with the necessity for a local search, a fee of £60.00 is charged in the case of re-mortgages.
Change to Circumstances Fees
| Change to Circumstances Fee |
Charge (£) |
| Extend / reduce mortgage term |
115.00 |
| Mortgage conversion |
140.00 |
| Release of guarantor seal fee and administration |
108.00 |
| Scheme transfer |
Refer to appropriate literature |
| Surrender of life policy |
32.00 |
| Transfer of equity for joint to sole or sole to joint borrowers including £81 seal fee |
180.00 |
| Transfer of equity for joint to joint (removal and addition) including £54 deeds production fee |
180.00 |
Further Advance
| Further Advance Fees |
Charge (£) |
| Up to £10,000 |
£205 |
| £10,001 - £20,000 |
£255 |
| £20,001 - £50,000 |
£330 |
| £50,001 - £100,000 |
£430 |
| Loans over £100,000 |
£480 |
New Advances
Alternative fees will be charged for special schemes, please refer to appropriate literature for details.
Redemption and Closure Fees
| Redemption and Closure Fees |
Charge (£) |
| Mortgage exit administration fee |
175.00 |
| Early repayment charges |
Refer to appropriate literature |
| Preparation of redemption statement |
35.00 |
| Seal fee |
81.00 |
Arrears Fees
| Arrears Fee |
Charge (£) |
| Arrangement fee |
32.00 |
| Arrears letter - each contact |
17.00 |
| Broken arrangement letter |
23.00 |
| Cancellation of eviction |
90.00 |
| Debt recovery fee on shortfall |
65.00 |
| Desktop Valuation |
44.00 |
| DMS Contact |
112.00 |
| DMS No Contact |
83.00 |
| Drive By Valuation |
79.00 |
| Full Valuation (plus standard valuation fee) |
19.00 |
| Litigation fee (instructing solicitors) |
96.00 |
| Monthly charge for account in litigation (no arrangement) |
18.00 |
| Non payment of ground rent / management / service charge / insurance |
68.00 |
| Possession administration charge |
328.00 |
| PDQ payments (only for payments made for business card) ** |
1.57% |
| Surrender of endowment policy |
66.00 |
| Surplus distribution costs |
18.00 |
| Unpaid cheque / direct debit charge (1st attempt) |
27.00 |
| Unpaid cheque / direct debit charge (2nd attempt) |
27.00 |
| 7 day letter before legal action |
27.00 |
| 7 day letter before possession notice |
27.00 |
** This charge is made to the Society by Barclays.
Deeds Handling Fees
| Deeds Handling Fees |
Charge (£) |
| Deeds storage for investors |
(per annum) 12.00 |
| Photocopying (up to ten pages) |
15.00 |
| Production (request for title deeds) |
80.00 |
A first charge will be required as security. Mortgages are only available in respect of real properties (residential properties) located in England, Wales and Scotland. All mortgages are subject to suitable security status and valuation and are not available to persons under 21 years of age. APRs are typical and variable.
PLEASE NOTE: THE INFORMATION CONTAINED ON THIS WEBSITE DOES NOT CONTAIN ALL OF THE DETAILS THAT YOU NEED TO CHOOSE A MORTGAGE. MAKE SURE THAT YOU READ THE SEPARATE KEY FACTS ILLUSTRATION BEFORE YOU PROCEED
All properties must have a minimum purchase price and / or valuation (whichever is lower) of £40,000 (£60,000 in Northern Ireland). Full written quotations available on request. YOUR HOME MAY BE REPOSSESSED IF YOU DO NOT KEEP UP REPAYMENTS ON YOUR MORTGAGE.
Policy Loans
Policy Loan Fees
| Policy Loan Fees |
Charge (£) |
| Account Information |
20.00 |
| Arrears letter - each contact |
17.00 |
| Broken Arrangement letter |
23.00 |
| Closed Account Information |
(min) 27.00 |
| Detailed Statement of Account (up to 1 year period) |
27.00 |
| Detailled Statement More (more than 1 year) |
by negotiation |
| Policy loan administration fee (plus completion fee) |
(per policy) 27.00 |
| Completion fee |
(per application) 108.00 |
| Photocopying (up to 10 pages) |
15.00 |
| Surrender of policy (if in arrears) |
66.00 |
| Unpaid cheque/direct debit charge |
27.00 |
| CHAPS charge (British Isles) |
30.00 |
| International CHAPS charge (abroad) |
60.00 |
Investments
Investment Fees
| Investment Fees |
Charge (£) |
| Auditors letter |
20.00 |
| BACS Trace |
40.00 |
| Change of Account Type |
15.00 |
| Change of Interest Instruction |
6.00 |
| Closed account information |
(minimum) 27.00 |
| CHAPS charge (British Isles) |
30.00 |
| International CHAPS charge (abroad) |
60.00 |
| Existing account duplicate information |
(minimum) 10.00 |
| Multiple cheque withdrawal |
(minimum per cheque) 3.00 |
| Special clearance fee |
15.00 |
| Unpaid cheque charge |
27.00 |
** This payment is charged to the Society by Barclays
