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Mortgage Fees & Charges

Charges for additional services

Once your client’s mortgage is up and running, if a service is requested which is not routinely provided for all customers, a charge may be made. The list below shows the current charges for the most frequently requested additional services. Occasionally, a charge will be made for a service, which is not listed here. If your client asks for such a service, they will always be told if a charge will be made and how much it will be.

 

Description Amount The charge is made:
Duplicate annual statement £21 For each duplicate statement provided.
Interim mortgage statement £22

For providing an interim mortgage statement

part way through the year.

Duplicate copy of letter £10 For providing a duplicate copy of a letter.

Capital repayment to reduce the mortgage term or reduce the monthly payment

 
£10

For each capital repayment applied to immediately reduce the account balance but where your client asks for their mortgage term to be reduced or their monthly payment to be reduced from the following month. There is no fee if the term is not changed and their monthly payment is not recalculated until the next time it has to be, such as at a rate or product change.

Closed account reference £31

For providing a reference to another lender

on a closed account.

Instalment break £99

When your client requests a payment break,

but they have not made any overpayments.

Supplying photocopies of deeds documentation

£31 For each request.
Deeds information £10 For supplying information relating to the title deeds.
Information to a third party £103 For supplying information to a third party.

Additional information to a third party

£22 For supplying additional information to a third party.
Certificate of Title £32 For providing a copy of the Certificate of Title.
Interest certificate £22 For each year’s interest certificate provided.
Partial release of property £225

If your client asks the release from the mortgage of part of their property to be considered.

Approval of residential tenancy after six months £225 If your client wishes to let the property six months or more after their mortgage started. Earlier than six months they must switch to a buy-to-let mortgage and they may incur costs, such as an Early Repayment Charge on the original mortgage and product and application fees on the new one.
Ground rent £225

If your client’s property is leasehold and there is correspondence regarding ground rent payments and/or insurance which are due under the terms of their ownership of the property.

Account breakdown £22

For each year for which your client requests

a breakdown of their account.

Change of payment method £77

Changing the way your client repays their loan's capital from interest only to repayment or repayment to interest only.

Term adjustments £32

When your client asks to amend the term

over which they want to repay their loan.

Insurance cancellation £27

When your client cancels their buildings or buildings and contents insurance which forms part of their monthly mortgage payment.

Hypothetical account illustration £106

For providing details of how an account would vary if payments or the term were changed. This is not the same as a Key Facts Illustration.

Other charges

 

Description Amount The charge is made:
Unpaid Direct Debit £31 When a Direct Debit is returned unpaid.
Rejected payment £31

When a cheque is rejected by the paying bank.

Closing Administration Charge £225

This charge applies to C&G mortgage loan agreements dated before 1 August 2007.

Arrears charges

 

Description Amount The charge is made:
First arrears stage £10 When the first arrears letter is sent.
Second arrears stage £31

For work up to and including the second arrears letter.

Arrears arrangement fee £36 When a plan to clear arrears has been agreed and not adhered to.

Breakdown of arrears/payments

(per year/per account)

£22

For supplying a breakdown to show how arrears have accrued on your client’s account.

Home visit £94

When a home visit is arranged.

Third arrears stage/pre-litigation

£206 When your client’s mortgage is referred to the Recoveries Department for third stage arrears work/pre-litigation.
Occupancy visit charge £51.75 When a visit is undertaken to establish the occupancy of the property.
Consolidation £52 When arrears consolidation has been approved.