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We like
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The phrase "fees free" is used when promoting remortgage products and is all about the lender covering your valuation and solicitors' costs.
They will pay for the valuation (up to a certain cost) and they will not charge you if you use the solicitors they appoint or give you a cashback, normally £250, if you use your own.
However, there tends to be an arrangement fee. This can vary from £100 to £500. They can be good value for mortgages of £150,000 and below. The Halifax offers a selection that goes from you having to pay all the costs to them covering the costs.
The larger your mortgage, the more impact an increase in the interest rate will have on your monthly repayments.
· Mortgage adviser, Savills Private Finance, tel: 0870-900-7762
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