Once your mortgage is up and running, if you ask for a service that 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 you ask for such a service, you will always be told if there is a charge and how much it will be.
If a charge applies, it will be added it to your mortgage account. You can repay the charge in full immediately, or leave it on your account. If you leave it on your account, it will show separately on your mortgage statement and we may apply interest.
| Description | Amount | The charge is made |
|---|---|---|
| Copies of title deeds | £17.50 | For supplying full photocopies of title documents, plans, etc. |
| Deeds information | £5 | For providing a single copy document or provision of title information. |
| Consenting to transaction | £75 | For example, release from the mortgage or part of the property, grant of easement (for example, a right of way) or consent to legal documents. |
| Account reference | £100 | Completing questionnaires or references about your mortgage sent to us by other lenders. |
| Unpaid charges | £75 | If we have to make a payment of ground rent/service charges/shared ownership rent which you have not paid. This is in addition to the payment itself which will be added to your mortgage account. |
| Closing administration charge* | £50 | When you repay your mortgage. |
*This charge applies only to certain mortgages and may vary depending on your circumstances. In particular, it does not apply to mortgages entered into on or after 1 August 2007. The amount shown is the most the charge might be. If you think a charge might apply to you and want to know the amount, please ask one of our mortgage experts.
Please remember that it may also be part of your mortgage loan agreement that an early repayment charge is payable if you repay all or part of the loan, or change its terms, within the first few years. Please check your loan agreement or subsequent documentation for details.
If you were to miss a payment and get behind with your mortgage, which would mean you were in arrears, you will have to pay an arrears charge. If, after reasonable requests, you do not pay the outstanding arrears, you may also be charged for any extra administration and legal costs involved.
| Description | Amount | The charge is made |
|---|---|---|
| Arrears management fee | £35 | Where it is necessary to write to you, a management fee will be charged. |
| Solicitors' repossession instruction | £125 | If solicitors are instructed to collect arrears or seek possession of your property. |
| Repossession fee | £350 | If Lloyds TSB take the mortgaged property into possession. |
As well as the above fees, you would also have to pay any costs to third parties who may be asked to recover any money you owe, or to create or protect the security, or to carry out legal work. For example:
We will write to tell you before a third party is asked to act.
If something in your life is changing and it could make paying your mortgage difficult, please contact your local C&G branch or call our helpline as soon as you can. It's always best to do this before missing a payment rather than afterwards. Dealing with financial difficulties at an early stage usually makes problems easier to solve.
You can talk to us in confidence and our staff will give you every possible assistance, including practical advice and information on areas such as state benefits (where appropriate).
If you think you may be facing difficulties but have not yet fallen behind with your mortgage payments, please call us on 0845 603 1637*
If you have already fallen behind with your payments, please contact us on 0800 3894 020*
