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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.
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 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.