FAQ
Find answers to some of our frequently asked questions. Need to speak directly to a representative? Tap the button to see how.
Mortgage-base FAQs
Will I have to pay for a specific mortgage?
The mortgage you apply for might include a fee. You can pay this by card, cheque or bank transfer when you apply. You could choose to add it to the mortgage balance instead, although that means you’d pay interest on it until you pay off the mortgage. Fees typically range from about £500 to £2,000.
What’s the difference between a valuation and a survey?
Your mortgage lender might arrange a valuation to make sure the property price is realistic. Many lenders, including Barclays, don’t charge for this in most circumstances. A survey is a report by a qualified professional to highlight any issues that could cost you money in the future. Surveys aren’t compulsory, but they’re a really good idea.
How do I arrange a survey?
We can help to put you in touch with a qualified surveyor in your area.
How much does a building survey cost?
Surveys range from a basic condition report, which costs around £250 to £300, to a comprehensive building survey, which could cost anywhere between £500 and £2,000, depending on the size of the property. The older or more unusual the property, the more comprehensive the survey should be.
Do I need to hire a solicitor?
You’ll need a solicitor or a licensed conveyancer to handle all the legal aspects of your home sale or purchase. Licensed conveyancers are usually cheaper than solicitors, although they’re not qualified to deal with complex legal issues. We are happy to direct you to the solicitors we work with.
Why do I have to pay legal fees?
Buying property can be complex, and legal advice helps you avoid problems. Solicitors and conveyancers contact the local authority to check for any planning issues that could affect you, and register your ownership of the property with the government. There are fees for this, which the solicitor will itemise in your bill.
Let us help you with your mortgage needs.
Post-Mortgage FAQs
Is there a fee?
The mortgage you apply for might include a fee. You can pay this by card, cheque or bank transfer when you apply. You could choose to add it to the mortgage balance instead, although that means you’d pay interest on it until you pay off the mortgage. Fees typically range from about £500 to £2,000.
What if I need to store possessions before moving house?
To store the contents of a one-bedroom flat, you’d probably need a unit of about 50 square feet. The contents of a large three-bedroom house would need a 150 square feet unit. Prices will vary, so shop around for quotes, but be prepared to pay £140 per month or more.
How much does it cost to get my post sent to my new home?
Prices range from £33.99 for three months to £66.99 for 12 months, and redirection can be set up quickly and easily online. It’s currently based on surnames, so if you live with someone who has a different name, they’ll need to pay separately.
Do I need to pay for a deep clean?
If you’re currently renting, check what your tenancy agreement says about cleaning the property when you leave. Your landlord or letting agent might insist that you use its preferred cleaners, or you might have to hire your own.
How do I find out about council tax?
Check with the local authority to find out what your council tax charge will be, as it may be significantly different from how much you currently pay- especially if you’re moving to a new local authority area or a larger property.
Any other fees to get ready for?
If you buy a leasehold property, you might be responsible for ground rent and maintenance costs. Your solicitor should confirm these costs before you commit to the purchase.
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