![]() This is to help guard against your mortgage becoming unmanageable. Your outgoings - it's also important to think about your other financial commitments, and consider what effect future interest rate rises could have on your finances. Your income - you'll need to confirm this by showing us payslips, bank statements and/or HM Revenue and Customs documents. To help us make a decision, we'll take a number of things into account. Whether you can have a mortgage and the amount you can borrow will come down to what we think is a sensible amount to lend you and what we agree you can afford. See fees details based on your property value Unless your mortgage deal states otherwise, you will need to pay a property valuation fee when you apply. If you're borrowing more or your mortgage is split across different deals, the interest on the product fee will be charged at the interest rate of your main loan account. Or if you want to spread the cost, you can leave it on your mortgage and interest will be charged on it as part of your mortgage - this will affect your monthly payments. If you pay the fee off within 30 days of the start of your mortgage, no interest will be charged on it. You can then pay the fee off if you want to, or leave it on your mortgage to spread the cost. ![]() ![]() Where a product fee applies, it will be added to your new mortgage. The Mortgage Rate Table shows what non-refundable product fee (if any) is payable. In return for paying a higher fee or no fee and a higher rate. Some of our mortgage deals have a product fee, others don't. ![]()
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